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Motor Trader

Motor Trader Insurance Broker

Finding the right motor traders insurance policy for your business can be difficult and time-consuming – and we understand that.

That’s why finding the right coverage options for your motor trade business and protecting it is our top priority. At IC Insurance Solutions, we partner with a network of UK’s leading insurers to create bespoke motor traders insurance packages that cover your business against a range of risks and exposures.

We know that no two motor traders are the same. The type and level of cover each motor trader require also varies. That’s why our car insurance specialists create custom traders insurance policies, tailored according to the specific requirements of your business.

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Motor trade insurance, also known as trade car insurance, motor business insurance or traders insurance, provide cover to anyone who deals with cars as a part of their daily business operations.

Motor traders insurance is considered an essential policy for anyone who buys & sells, repairs, modifies, services or valet parks vehicles. Taking out a trade car insurance policy means that motor trade businesses and their staff are covered while driving, servicing or working on their client’s vehicles or those of their own. The covered vehicles can range from cars to HGVs and trucks.

A good traders’ insurance policy should offer ease, optimal protection and flexibility to your business. It should comprehensively address a wide range of risks and cover all your employees.

Who Needs a Motor Trade Policy?

A motor trade insurance policy is required by any business or tradesman engaged in the motor trade industry. Anyone who deals with vehicles such as cars, motorbikes, vans, and trucks should consider taking out a traders insurance policy.

You need a motor trade policy if your business:
  • Buys or sells vehicles
  • Repairs or services vehicles
  • Offers valet parking services
  • Runs a garage or mot center

IC brokers specialise in creating trade car insurance packages that cover small, big and even part-time motor trades.

What Does a Motor Traders Policy Cover?

Our car insurance brokers create all-round motor traders’ policies that protect against:

Material Damage

A standard cover that pays out compensation in the event your equipment, money, and vehicles are stolen or damaged by an insured event.

Road Risks

A road risks cover is necessary if you take your vehicles onto a public highway. Our road risks policy covers vehicles used for social, domestic and pleasure purposes.

Mot Loss of Licence

A cover that offers financial protection if your mot licence is lost or suspended.

Business Interruption

A business interruption policy protects your motor trade business when an insured event causes disruptions or closure. It covers your reduced earnings on a gross profit basis and pays for outgoing expense.

Public & Product Liability

A public liability policy covers medico-legal costs and compensation expenses in the event a member of the public suffers an injury or a property loss as a result of an accident on your commercial premise or due to the actions of your staff.

Product liability insurance covers medical bills, legal costs and penalties in case a product sold or altered by your business causes an accident or an injury.

IC Insurance offers public and product liability insurance within the standard limits of £1,000,000 – £2,000,000 – £5,000,000.

Employers Liability

It is a legal compulsion in the UK to take out an employer’s liability policy if your business employs anyone. Employers’ liability insurance protects against the financial consequences of accident and injury claims filed by current or former employees.

Is Motor Trade Insurance Compulsory?

Having the right type of vehicle insurance is a legal compulsion in the UK. If you are involved in the motor trade industry, you must have a basic motor traders insurance policy.

The minimum level of cover required by both full time and part-time businesses is third-party only but taking out liability insurance (especially employers’ liability) on the side is highly recommended.

Looking for Trade Car Insurance Quotes in the UK?

About IC Insurance Solutions

IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

If you have got any questions or you want to obtain the best trade car insurance quotes in the UK, get in touch with our specialist advisors, right away. Contact our office on +441204540897 or email us on

Request a Motor Trader Insurance Quote

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