Motor Trade INSURANCE

Keeping the wheels of your Motor Trade business in motion



Specialist motor trade insurance designed to protect your vehicles, employees, and business premises, keeping your operation running smoothly.

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We understand motor trade insurance

Whether you're a small or large vehicle trader, we are here to help protect you and your business.

From independent car dealers and MOT test centres, to big agricultural machinery and vehicle dealers - our team of specialists at Pangea Insurance Brokers can happily assist in finding you the most appropriate cover that suits your budget and business needs.


Motor Trade policies are designed to cover the areas of a business that are most at risk, which will vary depending on how you operate and the vehicles you own. For example, motor trade policies can usually cover: Road risk insurance, Public liability, Employers’ liability, Stock of vehicles, Business premises, Tools, equipment and money cover.


Our team will work hard to ensure they have a valuable understanding of your needs, and will be on hand to advise on the type of cover you need to have full peace of mind knowing you have the best cover in place.

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"Protection Built for the Motor Trade"

FREQUENTLY ASKED QUESTIONS

  • What is motor trade insurance?

    Motor trade insurance is a specialist policy designed for businesses that buy, sell, repair, service, or handle vehicles as part of their trade. It provides cover for road risks, vehicles in your custody, premises, tools, and liability risks, all under one tailored policy.

  • Who needs motor trade insurance?

    Motor trade insurance is suitable for a wide range of motor trade businesses, including:

    • Car and van dealers
    • Mechanics and garages
    • Body shops and MOT centres
    • Valeters and vehicle detailers
    • Mobile mechanics
    • Motor traders operating from home

    If you work on, move, sell, or store customer vehicles, motor trade insurance is essential.

  • What does motor trade insurance typically cover?

    Motor trade insurance can be tailored to your business but commonly includes:


    Road risks insurance (third party only, third party fire & theft, or comprehensive)

    • Stock of vehicles
    • Tools and equipment
    • Business premises
    • Employers’ and public liability
    • Goods in transit
    • Demonstration cover

    Our team of specialists at Pangea Insurance Brokers will ensure your policy includes the covers relevant to how your business operates.

  • Does motor trade insurance cover employees?

    Yes. Policies can include cover for employees and named drivers, as well as employers’ liability insurance, which is a legal requirement if you employ staff.

  • Does motor trade insurance cover customer vehicles?

    Yes. Motor trade insurance can cover customer vehicles in your care, custody, or control while they are being worked on, stored, or moved as part of your business operations.

  • Can motor trade insurance be tailored to my business?

    Absolutely. A key advantage of using us, an independent insurance broker, is the ability to tailor cover based on:

    • Your motor trade activity
    • Type and value of vehicles
    • Number of drivers
    • Premises and security
    • Level of stock held

    This ensures your cover is fit for purpose and cost-effective.

  • What if I need to make a claim?

    Should you ever find yourself needing to make a claim, you can contact the Pangea Insurance Brokers in-house claims team directly on 02382 354 354.


    Our team are friendly, knowledgeable and efficient - so you can feel assured that your claim will be in the best possible hands.

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Customers

We are 100% client focused, and believe in long-term relationships with our customers. We will be there to assist, every year, to take away those insurance worries.

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Quality

Our team of fully qualified advisors bring over a century of insurance experience with them, as well as a wealth of knowledge and expertise.

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Trust

We have full access to all the major insurers that you would expect, covering a range of services and products.

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Personal

We are independent, transparent, and efficient. You can easily contact our team, so no long waits are guaranteed.

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