Motor Trades Insurance

Have a business that services the automotive industry in some way? Motor trades insurance has essential cover options for customer vehicles and faulty workmanship.

What is Motor Trades Insurance?

Motor trades insurance is a pack of insurances designed to cover businesses in the automotive industry for a wide range of risks and losses. This includes mechanics, auto-electricians, smash repairers, tyre-fitters/retailers and more. 

Along with all the usual inclusions of a business pack (liability, theft, buildings, equipment, business interruption etc) motor trades insurance also covers customer vehicles including driving risk on the road.

For any automotive business, the storage and work carried out on customers’ vehicles presents a huge risk. If a customer entrusts you with their vehicle for repairs or delivery, and something goes wrong, they’ll hold you responsible.

Motor trades insurance provides cover for those scenarios, as well as accidental or natural damage such as fire, flood and storm. 

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What can be covered

What may not be

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How can we help?

With access to a range of reputable insurers, and policies not available to the public, we can offer you a range of competitive quotes. 

We’ll help you compare the price with the coverage offered for each, so you can make the best decision for your needs. 

Having a customisable policy is important for protecting your motor trades business against potential risks or customer claims.

Motor Trades claim example

Alonso operates a workshop to help restore older vehicles, including the use of trade plates to get them registered.

A customer entrusts him with their 1973 Datsun. It’s unregistered, uninsured and needs some work to be made roadworthy. The vehicle is securely locked in Alonso’s workshop, but it’s broken into and the car is stolen.

His customer is devastated, but Alonso hasn’t done anything wrong to make him liable. Because of this, his public liability policy will not pay for the loss.

But, as Alonso has cover for customer vehicles on his premises, he’s able to claim on his Motor Trades insurance and reimburse his customer.

The customer is thrilled that he hasn’t experienced a total loss. A situation that could have resulted in a bad experience for the customer has instead improved Alonso’s reputation.

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Our Specialty

Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We'll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.

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We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

Frequently Asked Questions

There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:

  • Work on your behalf to secure you better protection through their negotiating power
  • Help you understand your risks and empower you to make better life / business decisions
  • Ensure insurers are held accountable to their promise to protect what you value during claims
  • Save you time and money by taking care of comparing and customising policies for your needs

Motor trades insurance is a business insurance pack, with special options for the automotive industry. As any business insurance, it can cover loss or damage to your building, contents, equipment as well as your liability and advice.

For any automotive business, the storage and work carried out on customers’ vehicles presents a huge risk — that’s why motor trades can also cover customer vehicles while in your care and limited faulty workmanship.

What our Customers Say

109 James Street, New Farm

5.0 246 reviews

  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

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