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Motor Trader Insurance

Motor Trader Insurance Broker

As motor trader insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products.

Our process is also quick and straightforward and offers you handpicked insurance policies you can trust.

To request a quote, send us your details and we’ll come back to you within 24 hours on business days.

If you don’t have time to wait, you can always call us on 01204 565600 during office hours.

    This form collects your name, renewal date & phone number so that we can communicate with you and provide assistance. Please check our Privacy Policy to see what we'll do with your information.

    Bespoke Motor Trader Insurance

    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 technician looking over the engine from the underneath of a car

    Motor Trade Insurance is Also Known as Trade Car Insurance, Motor Business Insurance or Traders Insurance

    Motor traders insurance is considered an essential policy for anyone who buys & sells, repairs, modifies, services or valet parks vehicles. It provide cover to anyone who deals with cars as a part of their daily business operations. 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, fast food delivery vans 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 centre

    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?

    Request a Motor Trader Insurance Quote

    About IC Insurance

    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 +44120454 0897 or email us on

      This form collects your name, renewal date & phone number so that we can communicate with you and provide assistance. Please check our Privacy Policy to see what we'll do with your information.