Motor Trade Combined Insurance

If you work in the motor trade and operate from a business premises, you need specific cover to keep your business protected. Motor trade combined insurance brings your essential protections into one tailored policy – keeping things simple, secure and cost-effective.

One policy. One renewal date. Full protection.

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What is motor trade combined insurance?

Motor trade combined insurance is a package policy for motor trade businesses. It combines multiple types of cover like road risks, premises protection and liability into one policy tailored around your business.

It’s aimed at motor trade businesses operating from dedicated premises such as garages, forecourts, MOT stations and body shops. Whether you’re repairing, restoring, buying, or selling vehicles, this policy brings together the protections you need in one place.

A close up of cars parked in a motor trade dealership.

Do I need motor trade combined insurance?

If your motor trade business operates from a fixed site or handles customer vehicles, tools, or premises, motor trade combined cover is likely the best option.

This includes:

Garages and MOT stations
Car dealerships and sales forecourts
Body shops and vehicle restorers
Classic car specialists and auto electricians
Recovery operators and vehicle storage units

While not legally required, motor trade combined insurance is strongly recommended. Standard road risks insurance only goes so far as it won’t protect your buildings, tools or stock.

Don’t risk being underinsured. One incident could shut your business down if you’re not properly covered.

What does motor trade combined insurance cover?

Your motor trade combined policy is built around three core areas of protection:

Road Risks: Drive customer or trade vehicles as part of your work. Covers third party claims, fire and theft, or comprehensive damage.
Property & Tools: Protect your garage, workshop or forecourt. Includes buildings, contents, tools and vehicle stock. Covers damage from fire, flood, storm and theft.
Liability: Stay protected against claims from the public or your staff. Includes public liability, product liability, and employers’ liability (if required by law).

Optional extras can include:

Business interruption
Legal expenses
Personal accident
Loss of MOT licence
Trade plate and goods-in-transit cover
Demo cover

We’ll tailor everything around your business so you’re only paying for the cover you actually need.

Are we the right commercial insurance broker for you?

Our motor trade combined insurance is designed for owner-managed businesses with up to £5 million in annual turnover. Whether you work alone or lead a small team, we can help you build tailored cover that reflects how your business operates.

We work with businesses across the UK, so no matter where you’re based, we can support you with expert advice and flexible insurance options.

Get a free motor trade combined insurance health check

Research suggests that 80% of UK SMEs are underinsured, meaning cover limits are too lower to fully protect your business. If you’re unsure if your motor trade combined insurance is giving you the right protection, we can help.

As part of our free motor trade combined insurance health check, our experienced Commercial Manager will personally review your existing policy to ensure you have the right cover for your needs.

We’ll assess if you have any gaps in cover, overpaying for extra cover you don’t need, meeting legal compliance and if we can find you a better deal – all free of charge.

Simply get in touch for your free motor trade combined insurance health check today.

Speak to us about your motor trade combined insurance today

Our tailored business insurance policies ensure you get the right protection at the best price. Fill in your details below and Mat, our experienced Commercial Manager, will be in touch with you shortly.

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