Give us a call:
0333 015 6886
Monday–Friday 09:00–17:00
Combined Motor Trade Insurance
What is Combined Motor Trade Insurance?
Combined Motor Trade Insurance is designed for motor traders who operate from a specific business premises rather than their own home.
All types of Motor Trade Insurance cover road risks, meaning you or your employees can drive any vehicle related to your business on public roads. Combined Motor Trade Insurance also provides additional protection against the risks associated with operating from a business premises.
If you have a forecourt, showroom, garage, unit, or workshop, then this is the cover best suited for your needs.
Types of cover
Combined Motor Trade Insurance allows you to combine different aspects of cover into one bespoke policy, depending on the needs of your business.
It can include:
- Buildings Cover: for fire, theft, vandalism, flood, and other unforeseen incidents
- Stock of Vehicles: protecting them from theft or damage while stored at your premises overnight
- Business Interruption: financial support if an insured event, such as fire or flood, causes you to close temporarily
- Road Risks Cover: ensuring your vehicles remain protected if you need to move vehicles, for things like customer test drives, relocations, or transferring stock.
- Liability Cover: including Public Liability, Employers’ Liability, and Products and Professional Liability
- Tools and Equipment Cover: protection for any specialised tools, diagnostic devices, and other equipment that you need for day-to-day operations
- Goods in Transit: cover for damage or theft of any parts, vehicles, or equipment in transit
Compare Combined Motor Trade Insurance with Patons
Every motor trade business is different, and knowing what type of cover you need can be difficult. That’s where we can help.
Our Motor Trade insurance experts can help you find a policy that can protect your business, no matter your needs. As an independent, family-owned insurance broker, we always search our panel of leading Motor Trade insurers in the UK to ensure you’re getting our best deal.
Getting your Motor Trade Insurance Quote
Step 1
Fill out the form
We’ll need some information about you, including what your business does and how we can contact you.
Step 2
We’ll give you a call
To go over the details in the form and collect some more information – this will ensure we have everything we need to get you a quote.
Step 3
Get your quote
Once we have all the information we need, we’ll contact our panel of insurers to find you our best Combined Motor Trade Insurance deal.
Why use Patons for your Motor Trade Insurance?
There are many ways you can benefit from taking a policy out through Patons Insurance, these include:
- Suitable schemes for any type of Motor Trade business
- Wide range of insurers to choose from
- Competitive rates
- Flexible monthly payments
- Expert advice and support
- Dedicated specialist Motor Trade Team
- Face-to-face or over the phone communication
- Secure access to insurance documents online
CompetitveMotor Trade quotes
FlexibleMonthly payments
GetExpert advice
Common Combined Motor Trade Insurance FAQs
Do I need Motor Trade Insurance?
If you’re running a Motor Trade business that sells, repairs, valets, recovers, or tests vehicles, you legally need Motor Trade Insurance to keep you covered.
Motor Trade Insurance provides you with peace of mind that your business:
• Is legally insured to operate
• Can be covered for unexpected costs in the event of an accident or claim*
*Subject to Terms & Conditions
What are Trade Plates?
Trade plates are number plates used on vehicles for business activities like selling, repairing, or testing.
If you display trade licence plates on any vehicle, you, your employees and customers can drive the vehicle for specific purposes without needing to pay for registration and tax.
Can I apply for Trade Plates?
Motor traders, motor dealers, and vehicle testers are all eligible to apply for trade plates.
You can apply for a trade licence plate if your business:
• Sells vehicles
• Repairs or manufactures vehicles
• Tests other people’s vehicles on public roads
You may also be eligible if you collect or deliver vehicles, provided that this is the sole activity of your business, or if you also manufacture or repair vehicles in addition to collecting and delivering them.
Give us a call:
