When Your Business Runs on Wheels: The Must-Have Insurance for Motor Traders

If your work revolves around vehicles — whether you're flipping used cars on weekends, running a busy garage, or offering mobile repairs — you’re not just a car enthusiast. You’re in the motor trade business.

And with that comes responsibility, risk, and the need for serious protection.
That’s where motor trade insurance becomes more than just another expense — it becomes essential.

🚦 Real Risks Motor Traders Face Every Day
You don’t need a big dealership to face big risks.

Here are a few situations that can (and do) happen to part-time and full-time traders:

You're test-driving a car you just bought at auction — and another driver hits you.

A customer’s car gets damaged while parked at your garage overnight.

Someone trips in your workshop and ends up with a hospital bill.

Your tools or diagnostic equipment get stolen.

Without proper coverage? That’s all on you.

🔍 What Exactly Is Motor Trade Insurance?
Motor trade insurance is a specialist policy designed for people who work with cars and vehicles for business — not just personal use.

It can cover:

Driving multiple cars (even if they’re not registered in your name)

Damage to customer vehicles in your possession

Tools, equipment, and stock vehicles

Liability protection for injuries, damages, or employee incidents

Garage buildings or home-based workshops

The policy can be shaped around what you actually do — so you’re not overpaying for stuff you don’t need.

🔧 Who Needs It?
Independent car dealers

Mobile mechanics

Part-time vehicle traders

Valeting/detailing businesses

Recovery truck operators

Service & repair garages

Even if you're working part-time or from home, handling cars for profit, you're in the motor trade.