For Quality Car Dealer Insurance, Call

0208 298 2100

Or Email Us

What is car dealer insurance?

Car dealer insurance is a form of motor trade insurance.  It’s designed to protect car dealers who buy and sell cars on a full-time or part-time basis.  A flexible policy, car dealer insurance through Jensten Motor Trade can cover risks such as:

  • Road risks
  • Stock in trade
  • Vehicles on the premises
  • Premises
  • Machinery and plant
  • Portable hand Tools
  • Personal accident and injury
  • Public and employers’ liability

For comprehensive car dealer insurance, call 0208 298 2100

What can car dealer insurance cover?

While every new car and used car dealer’s insurance needs will be different, there are some common risks – such as road risks insurance, public liability insurance, and stock insurance – that you’ll want to include.  Jensten Motor Trade’s car dealer policies allow you to pick and choose from a range of policy elements, including:

  • Road risks insurance – so you can drive customers’ vehicles and any you own in connection with your business on public roads. As with car insurance, you can choose from third-party, third-party fire and theft, or comprehensive cover.
  • Public liability insurance – garages can be hazardous places, and if a member of the public is injured or their property damaged, you can be held liable. Public liability insurance will protect you financially should you be sued for damages
  • Employers’ liability insurance (EL insurance) – is a legal requirement if you have any staff, full-time, part-time, or contracted. EL insurance protects motor traders from compensation claims from their employees should a claim be made against them for loss or injury at work.  Your policy must have a minimum of £5m cover, with £10m being the industry standard
  • Goods in transit insurance – is particularly useful if you’re a mobile auto electrician, as it will insure you should any parts or equipment be damaged, lost, or stolen while you go from job to job
  • Business premises cover – if you’re trading from premises, you’ll want to have them protected. If your premises were damaged or destroyed, business premises insurance would cover the cost of repairs or a rebuild
  • Tools and machinery cover – without your tools and machinery, you can’t operate. Power probes, multimetres, soldering irons, and test jumper kits are things you’ll need to use daily.  With tool thefts on the rise in the UK*, you’d be wise to insure them.  This covers tools and expensive pieces of machinery, such as diagnostic equipment.  It can also provide Mac and Snap-On tools insurance, plus employees’ tools and toolbox options
  • Service indemnity insurance – also known as defective workmanship cover, protects you against claims for faulty parts or for accidentally fitting parts incorrectly
  • Money and keys – if money or keys are stolen from your premises, this is designed to cover the cost of their replacement. Most policies will stipulate that money needs to be left in a safe, locked cashbox, or a cabinet
  • Business interruption insurance should disaster strike – a fire, a flood, or an explosion – and you can’t trade, business interruption insurance will provide an income until you can get to your previous trading level
  • Engineering inspection service if, as part of your trading, you use testing equipment or machinery, an engineering inspection service element to your policy will cover the cost of a safety assessment of it. Having your equipment assessed is a legal requirement as it’s part of 1998’s Lifting Operations and Lifting Equipment Regulations (LOLER) and Provision and Use of Work Equipment Regulations 1998 (PUWER). It can help satisfy your health and safety at work requirements, and it also means you’re less likely to have downtime owing to essential equipment such as vehicle lifting tables, jacks, and pressure systems failing
  • Business contents – including your stock, computers, phones, and other business equipment
  • Products liability insurance – should a product you use or recommend cause damage or harm, you can be liable for compensation should action be brought against
  • Sales and service indemnity – protects you against claims of damage or injury after selling or repairing a vehicle. It can include cover for faulty parts or repair work that’s contributed to the problem

* Data collected from a Freedom of Information (FOI) request to the England, Wales and Northern Ireland Police forces.

Which motor trade businesses can car sales insurance cover?

Car sales insurance through Jensten Motor Trade is a flexible policy that can protect new and used cars traders, including:

  • Full-time car traders
  • Part-time car traders
  • Car traders who work from premises
  • Car traders who work from home
  • Traders selling new cars
  • Traders selling used cars
  • Car traders who undertake repair or service work on their stock of vehicles

Why get car sales insurance through Jensten Motor Trade?

As well as flexible, quality cover, care sales insurance through Jensten Motor Trade offers you the following benefits:

  • Dedicated in-house claims service
  • Service from quote to claim
  • Legal liability insurance
  • Road risk-only options
  • The option of comprehensive, third-party fire and theft or third-party only cover

‘Polite professional advice and service, quick and easy cover, completely hassle-free and renewed my cover very quickly at a very competitive rate – the overall experience was totally refreshing’

Mr. E.  March 2023

How much does car sales insurance cost?

As we’ll create your cover around your business, that’s not an easy question to answer.  What we can say is that your car sales insurance quote will be based on factors such as:

  • The value of your stock
  • The size and value of your premises – if you have any
  • The value of your equipment
  • Whether you need road risk cover and how many people you need it for
  • The turnover of your business
  • Your claims history
  • Whether you want to pay monthly or annually – annually will usually be cheaper
  • Your business’s postcode

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Car sales insurance FAQs

It’s important for motor traders to get the insurance cover required for their business needs, and to help you do that, here is our car sales insurance frequently asked questions.  We hope they are of use, but if you’d like some independent advice, please call us on 0208 298 2100, and the team will be happy to help.

Speak to Jensten Motor Trade about car sales insurance today

If you’d like some assistance with your car sales insurance or a car sales insurance quotee, contact the Jensten Motor Trade team by calling 0208 298 2100.

Menu
  • Our broking experts are here to assist you throughout the year.

    Enquire Today

    Darwin Clayton Contact Us Form
    Checkboxes
  • Our broking experts are here to assist you throughout the year.

    Enquire Today

    Pro Risks Form

    We would like to hear from you. Please send us a message by filling out the form below and we will get back with you shortly.

    Checkboxes
  • Our broking experts are here to assist you throughout the year.

    Enquire Today

    Motor Trade Insurance
    Checkboxes
  • Our broking experts are here to assist you throughout the year.

    Enquire Today

    • Our broking experts are here to assist you throughout the year.

      Enquire Today

      • Our broking experts are here to assist you throughout the year.

        Enquire Today

        • Our broking experts are here to assist you throughout the year.

          Enquire Today

          • Our broking experts are here to assist you throughout the year.

            Enquire Today

            • Our Promise

              We only insure qualified Medical Professionals for Injectable Treatments

              We are completely independent and trade with integrity – which means we always act in your best interest to place your business with an insurer that’s right for you.

              We work with a team of experts from medical solicitors, qualified health and safety clinical specialists, accountants and Patient Consultation Technology companies to bring together the best services to robustly protect your organisation from every angle.

              We take the time to fully understand the DNA of how your organisation operates by visiting you in person to fully review all the varying exposures within your business and provide guidance, risk management advice and look at any gaps or exposures in cover you may have and implement an insurance solution designed to meet your needs.

              We’re here to defend you, we only work with insurers who take a strong stance against defending claims and involve you every step of the way.

              Enquire Today








              • Our broking experts are here to assist you throughout the year.

                Enquire Today

                • Our broking experts are here to assist you throughout the year.

                  Enquire Today

                  • Our broking experts are here to assist you throughout the year.

                    Enquire Today

                    • Our broking experts are here to assist you throughout the year.

                      Enquire Today

                      • Our broking experts are here to assist you throughout the year.

                        Enquire Today

                        • Our broking experts are here to assist you throughout the year.

                          Enquire Today

                          • Our broking experts are here to assist you throughout the year.

                            Enquire Today

                            Main Contact Us Form

                            We would like to hear from you. Please send us a message by filling out the form below and we will get back with you shortly.

                            Checkboxes
                          • Download PDF

                            • IMPORTANT UPDATE FROM LLOYD’S

                              Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

                              Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at www.lloyds.com/brexittransfer

                            • Our broking experts are here to assist you throughout the year.

                              Enquire Today

                              Main Contact Us Form
                              Checkboxes

                            • 0800 368 9018

                              General Enquiry