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What Is Classed As A Motor Trade Business?

The motor trade is such a diverse industry that it can be difficult to know what type of insurance policy you need. If you’re unsure whether your business is classed within the motor trade, read this quick breakdown of businesses eligible for motor trade insurance.

Tow Truck

Car dealerships

Car dealerships are an integral part of the motor trade industry. They buy and sell new and used cars and usually have a forecourt where members of the public can view the vehicles.

Since dealerships have their own premises, numerous members of staff and a large number of vehicles on their forecourt, they’re usually recommended to get a combined motor trade insurance policy.

This includes road risks cover as well as protection against fire, theft and accidental damage. It can also cover your premises and your equipment when it is combined with premises insurance or tools insurance.

Repair garages

Repair garages are one of the first businesses that spring to mind when you think of the motor trade. And if you own one, you’ll have tools, premises and employees that are central to making your garage run smoothly.

That’s why it’s important to make sure that they’re well protected by a comprehensive insurance policy to prevent any lasting financial damage if anything happens.

Vehicle restoration

You don’t have to work full time to be classed as a motor trader. Many individuals use their free time restoring classic cars to their former glory – either as a hobby or to earn some extra income.

Both full- and part-time restorers must have insurance; even if you are operating from your own home and do not drive the vehicle, you are obliged by law to have all vehicles in your possession insured or else declared ‘off-road’. You won’t need premises insurance if you operate from home but a basic third party road risks policy is an absolute must.

Valeting services

Alternatively, you could run a car valeting business. Whether you operate from your own premises or run a mobile valeting service, motor trade insurance is absolutely vital. The right protection for your employees, vehicles, tools and premises will keep your business running smoothly and prevent any financial disruption if anything happens.

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Looking for a motor trade insurance quote?

If you are looking for a quote on a motor trade insurance policy, you could save up to 67.5% with Unicom. Click here to get a quote that could save you £££’s

There’s no ‘one size fits all’ motor trade insurance policy, so if you’re still unsure about what type of policy your business needs, you’re best speaking to a specialist insurance advisor who can point you in the right direction.

At Unicom you can contact our expert insurance advisors by phone on 01133 120 554 or email us at

Information provided by Unicom Insurance