Motor Trade Insurance

Protect your motor trade business with the right insurance at the right price.



Quote Me Today are one of the UK’s leading motor trade insurance brokers. We understand how critical it is for you to have the right protection for you and the vehicles that you are responsible for. We compare motor trade insurance from a wide range of insurers to save you time and money and give you the cheapest trade insurance policy possible.


Call Us Today: 01227 285 540

Who needs motor trade insurance?

Motor trade insurance or “traders insurance” is a policy for anyone working within the motor trade. If you sell, service, repair or deliver vehicles belonging to other people that pay for your vehicles or services, then you will need a traders insurance policy. Regardless of whether you work from home or a business premises, you will need to be insured for moving those vehicles.

The very basic level of cover within a traders insurance policy is Road Risk Only Insurance. This is a third party only policy which is the minimum legal requirement if you drive vehicles that belong to other people as part of your business .

A motor trade insurance policy can be extended to include third party, fire and theft cover or be fully comprehensive covering accidental damage to your own vehicles.

We also offer combined motor trade insurance.
This policy will combine elements of cover such as:

  • Stock Of Vehicles Cover
  • Building & Contents Cover
  • Equipment Breakdown Cover
  • Public & Employers Liability Insurance
  • Business Interruption Insurance

By combining these extra elements to your insurance, you will save even more money than taking out separate policies.

Our team of experts are on hand to make sure you get the right insurance for your business at the lowest price.

The different types of cover

Third party insurance is the most basic level of cover.
It is a legal requirement to at least have an insurance policy with third party cover if you:

  • Repair, service or restore vehicles
  • Repair/recover or valet vehicles either at your business/home premises or in a mobile capacity
  • Run an MOT centre or garage
  • Buy and sell vehicles for profit.
  • Drive any vehicle, either your own or that of a customer on a public highway
  • Keep any vehicle either your own or that of a customer at a home address or a business premises

Any named driver on the policy is insured to drive any vehicle in relation to the motor trade business you are in. In the event of an accident, the named driver is covered for damage to the other party’s vehicle.

Third Party Fire and Theft Insurance covers a trader for third party vehicle damage. It also includes cover for loss or damage to vehicles that are under the motor trader’s responsibility for fire and theft. As with third party cover, damage or claims are also covered for other peoples vehicles.
Third party and third party, fire & theft insurance protects other peoples vehicles and property. Comprehensive insurance gives you full protection for vehicles in your custody. It covers such things as accidental damage to vehicles you are responsible for.

It is the recommended level of cover for any motor trader looking to get full cover for their business.

A combined motor trade policy covers all areas of your motor trade business beyond the vehicles. It will cover you for items such as:

  • Roads Risks Insurance
  • Stock Of Vehicles Cover
  • Building & Contents Cover
  • Tools cover
  • Equipment Breakdown Cover
  • Public & Employers
  • Liability Insurance
  • Business Interruption Insurance

Often, motor traders will take out a combined policy as combining these elements saves money rather than purchasing separate policies for different parts of the business.

Find out more about our combined policies here.

Talk to our experts

Our team are motor trade specialists and are on hand to make sure you get the right cover at the right price.

01227 285540



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What types of trade do we insure?

There are many types of businesses and skilled trades that fall under the category of motor trade. We can provide cover for nearly all types of motor trader. Typical types of motor trades that we provide insurance for are:

  • Auto Electricians
  • Body Customisation Garages
  • Bodyshop & Repairs
  • Car Dealerships
  • Car Delivery Agents
  • Car Valeters
  • Classic Car Repair Shops
  • Full Time Motor Traders
  • Imported Vehicle Dealerships
  • Mechanics
  • Part Time Motor Traders
  • Tyre & Exhaust Fitters
  • Vehicle Alarm Fitters
  • Vehicle Recovery Drivers
  • Wheel Repair Specialists
  • and more…

Why Choose Quote Me Today?

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We Have The Lowest Insurance Rates

We have access to the largest panel of motor trade insurers in the UK. This guarantees you will get the lowest prices without sacrificing the quality of your cover.


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Great Deals For Part Time Motor Traders

You don’t have to be a full time motor trader to get the best deals on your insurance. We have the flexibility with our policies to save you money if you only work part time in the trade.


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Combined Insurance Cover That Works For You

Whether you just require “Road Risks Only” Insurance or a combined policy, We can cover your business premises, stock and liability too. Whatever you need, we can tailor an insurance package that works for you.


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An Expert Dedicated Motor Trade Team

Our specialist team of advisors are on hand to answer any questions you may have and get you a cost effective quote that’s right for you.


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Flexible Payment Options With Instant Cover

We can help you spread the cost of your payments on a monthly basis to make things easier. If you are happy with our quote, we can put on you cover straight away.


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We Are Leading Commercial Trade Insurance Brokers

Quote Me Today has been in business for a long time providing low cost commercial and trade insurance to thousands of customers.


  • “Second time I’ve renewed my company insurance with you now. Very happy with the service. Each year you’ve managed to get it lower.” – Motor trade customer

    • Speed of Quote – 5/5

    • Customer service – 5/5

  • “The current personnel are in my opinion the most informed, knowledgeable, and efficient over the whole time I have been with them. Hence the reason I am happy to recommend.” – Motor trade customer

    • Speed of Quote – 5/5

    • Customer service – 5/5

  • “First class service and friendly knowledgeable staff.” – Motor trade customer

    • Speed of Quote – 5/5

    • Customer service – 5/5

  • “I appreciate the expert service you always give me.” – Motor trade customer

    • Speed of Quote – 5/5

    • Customer service – 5/5

  • “Nice quote genuine people. Very pleased to have Insurance with quote me today. Thanks again.” – Motor trade customer

    • Speed of Quote – 5/5

    • Customer service – 5/5

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Have more questions?

You can always call us if you have any questions.
We also have an FAQs section with various questions on our trade insurance.