Motor trade insurance

Fleet Insurance key benefits

We offer flexible fleet insurance at highly competitive prices:

• cover all of your vehicles under one policy
• cover for fleets of three or more vehicles
• 'any driver' cover available – includes drivers with licence restrictions
• courtesy car available while your vehicle is at an approved repairer
• all types of vehicle, including high performance cars and motorcycles
• low policy excesses
• cover extends to the EU and other selected countries

Frequently asked questions

Why do I need fleet insurance?

A fleet insurance policy ensures all of your vehicles are adequately insured under UK law. Covering all of your vehicles under a single policy can save you time and money.

How many vehicles can I insure with one fleet insurance policy?

We offer policies for three or more vehicles.

What vehicle use is acceptable within fleet insurance policies?

We can consider any vehicle usage for fleet cover.

What additional features are available as part of a fleet insurance policy?

By looking at what you want your fleet insurance policy to include we are more likely to find you competitive cover that is right for your business. Additional benefits can include:

• detached trailer cover
• hazardous goods insurance
• medical expenses cover
• personal effects cover
• personal accident cover
• replacement vehicles
• cost of replacing locks

We also offer Business Breakdown Cover for your fleet.

Garage Insurance key benefits

We offer market leading insurance for garages at competitive prices:

• cover all your and your customers' vehicles under one policy
• covers all other contents, tools and stock plus buildings (if required)
• provides road risks cover for the vehicles
• employer's and public liability insurance included as standard
• money cover included as standard

Flexible cover – extra options include:

• engineering risks including inspections, eg of hoists and lifting equipment
• personal accident cover
• directors and officers liabilities
• professional indemnity insurance

Why do I need garage insurance?

Known as motor-trade combined insurance, garage insurance not only ensures that your vehicles and your customers' vehicles are insured under UK law, but also protects the garage itself and its contents.

Road Risk Insurance key benefits

We offer market leading road risk insurance at competitive prices for:

• full or part-time work
• working from home
• service and repair
• sales of new and used cars

Frequently asked questions

What is road risk insurance and why do I need it?

This covers your vehicles and your customers' vehicles used in connection with your trade, and your Road Traffic Act legal obligations to third parties while on the road. The cover can be either comprehensive, third party, fire and theft, or third party only. The insurance provides cover for any trade plate registered to you and discussed with us.

What types of trades can be insured?

• mechanical services and repairs
• body repairs and paint spraying
• sales of vehicles
• auto electricians
• MOT testing
• windscreen repairs and replacement
• vehicle audio and security systems installatio
• engine diagnostics
• LPG conversions
• sign writing/livery
• plus many others