Motor Trade Combined
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    Covers Third-Party, Fire & Theft, and Additional Cover.

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    UK-Based Team of Motor Trade Insurance Experts.

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If you’re looking for tailored cover that can be customised according to your business needs, combined motor trade insurance is what you need.

At One Sure, we’ve been insuring motor traders since 2006 and have watched the industry gradually evolve over time. After noticing a gap in the market regarding motor trade insurance and the complex requirements of businesses, we decided to create a new combined motor trade insurance package.

What is a combined motor trade insurance policy?

With the motor trade industry encompassing many different careers, every business’s needs will be unique. Combined motor trader insurance is a policy that will cover all elements of your business and can be tailored to fit your needs.

Just like our road risk insurance policyholders, you’ll also get instant access to the MID via our customer area. To learn more about updating the MID and using our platform, read the following guides:

In a nutshell, with a motor trade combined policy, ​​you will receive road risk insurance, along with any additional coverage your business needs for truly tailored cover.  

You can choose from the following extra cover on a motor trade combined policy:

  • Public & Employers Liability
  • Building Insurance 
  • Portable Tools, Fixed Tools and Machinery Cover
  • Stock Cover
  • Your Own & Customers’ Vehicles
  • Money Cover
  • Personal Accident
  • Business interruption
  • Goods In Transit
  • Courtesy/Loan Car Cover
  • Legal expenses
  • Engineer inspection

Our cover explained

Public & Employers Liability

As your business expands, you’ll naturally have more customers and need more employees to keep everything running smoothly. Public and employers liability are similar types of cover but target different people. 

Public liability cover will provide protection in case of a claim from the public in a legal dispute. Unlike public liability, employer’s liability insurance is compulsory and covers your business if a current or former employee requires compensation. 

It may be tempting to skip public liability and only choose the compulsory cover you need. However, if the worst-case scenario occurs and a member of the public requests compensation from your business due to an injury, their claim could cost you millions.

Building Insurance 

After spending so long working towards having your own​​ premises and, perhaps even multiple locations, you’ll want to keep everything in top condition.

Buildings insurance will allow you to claim and get help with the costs of repairing or rebuilding your business. This policy will cover a variety of incidents that can cause a significant hit to your finances or tank your business, such as fire, flood, theft and vandalism.

Some policies will also cover issues such as loss of keys and even damage caused by emergency services if a forced entry is necessary.

However, there are some exceptions to what is covered by your building insurance. For example, you can’t claim any general wear and tear to your business as it is your responsibility as the business owner to perform regular maintenance.

Many insurers will not cover damage caused by an act of terrorism. However, some can offer it as an extra. If you’re set on including this type of cover, please let our advisers know when discussing your motor trade combined policy.

Portable Tools, Fixed Tools and Machinery Cover

For mechanics and MOT services, your tools and machinery form a massive part of your work performance and efficiency. What’s more, they’re extremely costly to replace.

Not only will this cover allow you to replace the equipment on-site, but some policies available will be able to cover portable tools while they’re away from your premises.

Stock Cover

For motor traders, lost or damaged stock can result in many other problems alongside a hit to your finances.

Stock insurance will give you peace of mind that stolen or damaged stock can be replaced.

Goods In Transit

While stock cover will take care of your products on your premises, goods in transit will cover them on the move.

Money Cover

Protecting your financial assets is necessary, and sometimes even with the right precautions, the worst-case scenario can happen.

Whether you store your cash in a safe in your office or when you’re transporting it to the bank, we’ve got you covered. 

Personal Accident

If a member of staff o​​r you manage to get injured or even killed, personal accident insurance will compensate your business. Financial losses resulting from having to cover assessments with other staff members to recruitment and work training of new staff members are just some aspects covered by personal accident insurance.

Courtesy Car Cover

If you’ve had an accident and need to put your vehicle in the garage to get serviced or repaired, you can opt-in for courtesy car cover as part of your combined motor trade policy. It is important to note, however, that it will not cover you to have a courtesy car if you’re own vehicle has been written off entirely.

How much is Combined Motor Trade Insurance?

From your type of business to your driving experience, various factors affect the price of your motor trader insurance. Our experts are just a phone call away and will compare policies and prices to save you time and money.

Find out how much your motor trader insurance will cost and get a free quote by calling our team on 0800 107 1260. 

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Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

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    Hassle-Free Renewals

    You’ll be in safe hands with our dedicated renewal team. We pride ourselves on always being up-to-date on the latest offers and best motor trade insurance rates.

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    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. And if you find a cheaper like-for-like quote in 48 hours? You’ll get your money back.

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    Trusted Panel of Underwriters

    As one of the UK's leading motor trade insurance brokers, we will find the right policy to suit your business and vehicle with the help of a handful of trusted underwriters.

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    Changes to Your Policy

    If you need to change your policy, our friendly team is only a phone call away and happy to help.

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Frequently Asked Questions

How do I prove to my insurer that I am a legitimate motor trader?

As motor trade insurance is specifically aimed at covering businesses, proof that you are a legitimate motor trader is essential. Our insurance underwriters will only cover traders with a financial interest and experience in the industry.

Luckily, proving that you are an active and genuine motor trader for profit is quite simple.

Simply keeping a record of anything will show insurers that your business is active. Insurers will accept the following as proof that you are a genuine motor trader:

  • Invoices and receipts of vehicles sold or repair services carried out.
  • Advertisements – both online and in print.
  • Tax forms.
  • Registration documents.
  • Business memberships and proof of a professional bank account.

Additionally, if you are a car seller, you must prove your business’ motor trade activity by providing details about turnover and the number of vehicles sold along with receipts.

We recommend that you do not send your evidence in the post as these documents may become lost.

Create digital copies by scanning or taking photographs of your documents, then save them in a folder ready to email them to your insurer. When chatting with one of our insurance experts on the phone, we can guide you through the process of sending over all the evidence needed.

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