Motor Trade

Our Motor Trade policy is written under an exclusive fully delegated underwriting authority from Aviva.


We offer a specially designed package aimed at single site garages in rural/sub urban areas. Typically covers include but are not limited to Material Damage, Business Interruption, Employers Liability, Public Liability, Defective Workmanship and Road Risks.

This product is exclusive and only available to selected broker partners.

Please contact your Regional BD Underwriter to discuss opportunities.

Key documents


Policy wording

Policy overview


Submit a claim

Complete our online form.

Alternatively, if the loss or damage is extensive, please call our Claims Department as soon as possible. Full contact details here.

Helpline details

Claims Service – 0800 015 1498

Legal and Tax Helpline – 0345 300 1899

Commercial Legal Protection – 0345 300 1899

Risk Solutions Helpline – 0345 366 6666

Counselling Service Helpline – 0117 934 0105

Key benefits

Refilling, recharging or replacing of fire and security equipment up to £25,000 any one claim

Wrongful conversion – 20% contribution by the Insured

Capital Additions

Financial Loss – Products Supplied

Fraud or Trick

Misfuelling before damage

Damage to vehicles being worked upon

Uninsured Loss Recovery

Damage to Machinery and Plant at the premises by breakdown, collapse or explosion


  • Property Damage – All Risks
  • Business Interruption and Book Debts
  • Money, Assault and Wronguful Conversion
  • Employers’ Liability, Public & Products Liability and Commercial Legal Protection
  • Road Risks and Motor Legal Protection

Additional cover

  • Legal Expenses
  • MOT Loss of Licence – loss of profit only or including Legal Expenses

Target Business

Service and repair garages, inspection and MOT testing, used vehicle sales, Touch up spraying and body repairs, all with the focus on cars, vans and motor cycles and trading from a commercial premises.

Decline Trades

Vehicle sourcing and broking, recovery operators, vehicle dismantling or breaking, vehicle manufacturer/coachbuilders and racing/rallying and kit car risks.

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