01792 001350
Motor Trade Insurance
Secure your business with Miller & Partner
If you operate within the motor trade industry, having the right insurance in place is essential to protect your business, vehicles, and liabilities. At Miller & Partner Limited, we specialise in tailored motor trade insurance for businesses across the UK, ensuring you have comprehensive cover at competitive rates.
Who Needs Motor Trade Insurance?
Motor trade insurance is designed for businesses that work with vehicles, including:
✔ Car dealerships – From small independent traders to large forecourts
✔ Mechanics & repair garages – Covering customer vehicles in your care
✔ MOT testing stations – Ensuring compliance and protection
✔ Valeters & detailers – Covering customer cars while being worked on
✔ Recovery & breakdown services – Protecting vehicles in transit
✔ Mobile mechanics & tyre fitters – Insurance for working at customer locations
What Does Motor Trade Insurance Cover?
We understand that every business is different, so we provide
flexible insurance solutions
to meet your needs. Cover options include:
🔹Road Risk Insurance – Covering vehicles driven for business purposes
🔹Liability Insurance – Public, employer’s, and product liability protection
🔹Premises Cover – Protection for garages, showrooms, and tools
🔹Demonstration Cover – Allowing customers to test-drive vehicles
🔹Stock of Vehicles – Covering cars for sale against damage or theft
Why Choose Miller & Partner?
✔ Expert Advice – We specialise in motor trade insurance, ensuring you get the right policy
✔ Competitive Rates – We work with leading insurers to find you the best deals
✔ Tailored Policies – Flexible cover to suit your specific business needs
✔ Exceptional Service – Dedicated support and fast claims assistance
Frequently Asked Questions
Motor trade insurance is specialist cover designed for businesses that buy, sell, repair, or handle vehicles. It allows you to legally drive customer or stock vehicles and protects against risks associated with motor trade activities.
Policies can include road risks cover, public liability, employers’ liability, tools and equipment, and stock of vehicles. Cover can be tailored depending on whether you are a trader, mechanic, or operate from premises.
Yes, if you are driving vehicles in connection with your business, you need motor trade insurance. Standard motor insurance does not cover business use involving customer or stock vehicles.
Road risk insurance is the core element of motor trade insurance, covering you to drive vehicles on the road. It can be third party, third party fire and theft, or comprehensive.
Costs vary depending on your experience, claims history, business type, and number of vehicles. Policies can start from a few hundred pounds annually but increase for higher-risk or larger operations.
Yes, part-time and home-based motor traders can obtain cover. Insurers will assess your business activities, vehicle usage, and storage arrangements.
Yes, traders’ combined policies can include cover for stock vehicles against risks such as theft, damage, or fire, depending on the level of cover selected.
Notify your insurer immediately and provide full details of the incident. Your insurer will investigate and, if covered, handle repairs, compensation, or legal defence.
Real World Example
A motor trade client approached Miller & Partner Limited after a vehicle in their care was involved in an accident during a test drive, resulting in third-party damage and a potential injury claim. We immediately notified insurers, confirmed cover under their motor trade road risks policy, and coordinated with claims handlers to manage liability and documentation. By presenting clear evidence and managing communication between all parties, the claim was resolved efficiently without escalation.
Our Expertise in this Field
At Miller & Partner Limited, we specialise in arranging flexible motor trade insurance for businesses of all sizes, from sole traders to established dealerships. We understand the day-to-day risks of the trade, including road risks, stock exposure, and liability concerns. Our expertise ensures you have the right cover in place, whether you operate from premises or on a mobile basis. With a tailored, hands-on approach, we provide protection that keeps your business moving without interruption.
John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.
I can recommend Miller and Partner. They were prompt, efficient and responsive to my needs.
Very grateful for John’s assistance in finding a suitable policy for our needs, and being helpful and prompt in his advice. Highly recommended!
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
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