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Motor Trade Insurance

Motor Trade Specialists

Our Motor Trade specialists can help tailor a bespoke Motor Trade package that's right for you, using our knowledge of the market and our solid partnerships with leading insurers. As one of the UK largest independent brokers we are equipped to provide as little or as much cover as you want, at the most competitive price and. We are not owned by any insurer, so we will ensure the package we offer you will be the best for you.We can cover full or part time traders with or without road risks and can even cover tools, premises, liability, and with our great introduction discount scheme* that could save you on average £100.

For a free competitive quote for your Motor Trade Insurance simply use our online call back form on the right.

Or call us on 0844 209 8315* and speak to one of our Insurance experts and see how much you can save!

What is the difference between normal Car Insurance and Motor Trade Insurance?

Motor Trade Insurance provides protection for anyone working with motor vehicles in a commercial sense; from car sales garages to MOT test centre's and even all types of part time motor traders working from home. Motor Trade Insurance can only be taken out for clients working in the Motor Trade and proof of trading may be required. Normal Car Insurance only covers private cars that are owned for personal use.

What are the types of cover available for Motor Trade Insurance?

Whilst all policies are tailored to your specific needs, cover can be divided into two basic categories:Road Risk insurance this covers vehicles belonging to (or associated with) your business; allowing you to use the cars on the road and to trade legally. Vehicles will generally be covered from your home address or your registered business address. This Cover will then be split into one of the 3 levels of cover. Third Party Only, Third party fire and theft and Comprehensive.Combined policies provide cover for the above and every other aspect of your business, including vehicles on the premises, material damage, business interruption, public & employer's liability and vehicles in transit.

How do I obtain a Motor Trade Insurance quotation?

You can either complete the call back form and one of our experienced members of staff will call you back and obtain the information required for your Motor Trade Insurance quotation or call us on 0844 209 8315 and speak to a member of staff who will be able to provide you with a Motor Trade Insurance quotation.

Can I have protected no claims bonus on my Motor Trade Insurance policy?

If you have maximum no claims bonus (or 2 years no claims bonus, depending on the insurer) you can opt to protect this so that in the event of a fault claim on your car insurance , your no claims bonus will remain intact. Depending on the insurer, this may be 2 fault claims in a period of 5 years or 1 fault claim per annual period of insurance.

Motor Trade Insurance Policy Excesses

All policies will have a compulsory excess that is fixed by the insurer , however, on most Motor Trade Insurance policies this can be increased by taking a voluntary excess. This will reduce the premium, but in the event of a claim, the amount that you pay will be higher. Most comprehensive policies will include windscreen cover however the excesses vary on this section, please ask one of our experts who can inform you of the windscreen cover excess on your Motor Trade Insurance policy.

Will my Motor Trade Insurance policy cover me on the continent?

Some Motor Trade Insurance policies will include minimal cover to drive in Europe free of charge under those countries minimum insurance requirements. However, we do have a large range of Motor Trade Insurance policies that provide the same cover in Europe as you have in the UK if you are unsure of the cover you have then one of our Insurance experts will be able to help.

Can I pay for my Motor Trade Insurance policy in instalments?

Yes we offer a variety of instalment plans and are happy to spread the cost of your Motor Trade Insurance. Please ask any of our Insurance experts for more information

What additional cover is available with my Motor Trade Insurance policy?

We can offer additional add on's to most Motor Trade Insurance policies dependant on cover and age restrictions. These can be:
  • Social, domestic and pleasure use
  • Protected No Claims Bonus
  • Additional Motorbike Cover
  • Sports Car Cover
  • Leased vehicle Cover
  • Accompanied Demonstration Cover
  • Motor Legal Protection Cover
  • Loss of keys Cover
  • Guaranteed Hire Car
Please speak to any of our Insurance experts who will be happy to explain the differences and advantages of these products.

Who can we cover?

  • General Motor Trade Insurance
  • Chauffeur Insurance
  • Minibus Insurance
  • Convicted drivers
  • Bike Insurance
  • Van Insurance
  • Courier Insurance
  • Light haulage Insurance
  • HGV Insurance
  • Commercial Insurance
  • Good in Transit Insurance
  • Exhaust Fitters insurance
  • Crash repairers insurance
  • Garages
  • Valeter's Insurance
  • Mechanics insurance
  • Vehicle Delivery Insurance
  • Tyre Fitter's Insurance
  • Full Time Motor Traders
  • Part Time Motor Traders
  • Young Drivers Motor Trade Insurance
  • New Traders Motor Trade Insurance


*Only applicable to new customers to Crowthorne Insurances Services Ltd