Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Suitable motor trade insurance may give you the peace of mind needed to operate with confidence. While standard policies may not cover the primary risks you face, Gallagher can create a tailored and comprehensive startup motor traders’ insurance policy. We bring different forms of cover together, so you can have wider cover for a range of risks.
Startup motor traders’ insurance is cover designed for new companies in all areas of the motor trade industry, including:
First-time motor traders’ insurance can provide additional cover for various day-to-day risks, like driving customers’ vehicles, equipment damage, or employee accidents. It’s all about tailoring policies to suit your current needs. And if you expand your business further down the line, you can adjust your insurance to match your growth.
Startup motor traders’ insurance policies vary depending on the cover you need. For instance, most traders should consider road risk insurance, public liability cover, and protection for their tools. However, the exact details of your policy are up to you — and your insurer.
At a minimum, you’ll need road risks insurance so that you’re insured to drive customers’ vehicles when working on them, especially if you offer a collection, delivery, or test-drive service.
In most cases, you can choose from three levels of road risks insurance:
Startup motor traders’ insurance policies can also include:
As your business goes from strength to strength, you may need to consider traders’ combined insurance, which can include:
Gallagher understands the risks faced by the motor trade industry. We work with insurance specialists to ensure that your business has suitable cover — call 0800 062 2312 to get your startup motor trader insurance quote.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
You’ll need to prove that you are licenced to operate within the motor trade industry.
Whether part-time or full-time, your business still faces risks. Having first time motor traders’ insurance can ensure you have adequate protection.
If you want to keep setting-up costs to a minimum, there are things to consider. Here are a few tips to consider:
Start your journey with Gallagher. Connect with an expert.