Motor Trade Insurance Working From Home

Our insurance policies offer full service, from quote to claim, road risk options, a dedicated motor trade team, cover for social/domestic/pleasure use, and choices between comprehensive or third-party cover.

As with all insurance policies, terms and exclusions apply. Please contact us for more details.

Yes, motor trade insurance is legally required by law for all motor traders. You need a road risks element if you drive vehicles on public roads. Employers’ liability insurance (EL insurance) is also mandatory if you have any employees. Having the correct insurance policies ensures you operate within the law and avoid legal penalties.

Road risks cover driving vehicles on the road only. Traders’ combined insurance offers wider protection, including premises, property damage, liability cover, legal protection, legal expenses, and business interruption cover.

Coverage depends on your specific motor trade policy wording. Generally, you can drive vehicles owned by your business or in your control, including customers’ vehicles. Some policies may exclude certain makes or types (e.g., classics, prestige, Japanese imports).

If you’re unsure about what’s excluded or would like some help, please call us on 0161 440 7772 and we’ll be happy to give you some help.

No. A motor trade policy is only available to individuals actively engaged in buying, selling, moving, or repairing vehicles for trade purposes, not for private use. You must be involved in a motor trade business activity to qualify.

Call us on 0161 440 7772. We work with a variety of insurers and specialise in tailoring cover for home‑based motor trade. Your insurer will help you tailor your policy to your business needs.

Yes. You must provide proof, like vehicle purchase receipts or sales records, at the start of your policy to show that you deal in motor trade activities.

Ways to save include avoiding drivers under 25, building a no‑claims bonus, paying annually instead of monthly, opting for higher excess, shopping through a broker, and securing vehicles/tools (e.g., CCTV, trackers, locked storage). Reviewing your insurance policies and working with your insurer can help you get the best deal.

Yes, many insurers, including us, offer motor trade online insurance services, allowing you to get quotes, manage policies, and renew cover conveniently through online motor trade platforms.

Our motor trade insurance covers a wide range of motor trade work, including vehicle sales, repairs, servicing, and restoration. Whether you trade online or from home, we provide tailored motor trade cover to suit your business needs. Cover can include transit cover for goods and vehicles in transit, as well as protection for customers’ vehicles.

Yes, we work with various insurers, including Tradewise, to offer competitive motor trade insurance policies, ensuring you get the best cover and value for your motor trade business. Tradewise policies can include cover for employees and medical expenses.