Motor Trade Insurance
Find out if you can get cheaper insurance today.
Welcome to Riviera Insurance Your Trusted Motor Trade Insurance Provider in the UK
At Riviera Insurance, we understand the unique challenges that come with operating in the motor trade industry. That’s why we offer comprehensive and tailored motor trade insurance solutions to protect your business and assets. Whether you’re a vehicle dealer, mechanic, body shop, or operate in any other motor trade business, our expert team is here to find the perfect cover for your specific needs. Discover why Riviera Insurance is the preferred choice for motor trade insurance in the UK.
What do I need to get a motor trade insurance quote?
Getting a motor trade insurance quote with Riviera Insurance is a quick and straightforward process. To provide you with the most accurate and competitive quote, we’ll need some essential information, including:
Your business type and activities in the motor trade.
Details about your trading premises and security measures.
The number of employees and drivers covered under the policy.
Previous insurance history and any no-claims bonus.
Why get motor trade insurance with Riviera Insurance?
Riviera Insurance stands out as a leading motor trade insurance provider for several reasons:
Specialisation: We specialise in motor trade insurance, ensuring you get cover tailored to your industry-specific needs.
Extensive cover: Our policies offer comprehensive cover, protecting your vehicles, stock, tools, and liabilities.
Competitive Prices: We strive to provide affordable insurance without compromising on the quality of cover.
Expert Team: Our experienced team understands the motor trade industry, guiding you through the insurance process with ease.
Exceptional Service: We value our clients and offer top-notch customer service whenever you need assistance.
Our reviews
Discover what our satisfied clients have to say about Riviera Insurance and our top-notch motor trade insurance services. Read their reviews and experiences to gain confidence in choosing us as your insurance provider.
At Riviera Insurance, we are dedicated to safeguarding your motor trade business with reliable and comprehensive insurance cover. Get in touch today for a quote and let us protect what matters most to you.
What is motor trade insurance and why do you need it?
Motor trade insurance is a specialised type of cover designed for businesses involved in buying, selling, repairing, or servicing vehicles. It protects you from financial losses that may arise due to accidents, theft, damage to vehicles under your care, or liability claims from third parties. Having motor trade insurance is not only a legal requirement but also a crucial safeguard for your business, giving you peace of mind to focus on what you do best.
What type of motor trade insurance do I need?
The type of motor trade insurance you need depends on the nature of your business and the level of cover required. Riviera Insurance offers various types of policies, including:
Road Risk Insurance: Covering vehicles while they are being driven on the road.
Combined Motor Trade Insurance: Providing comprehensive cover for vehicles, premises, tools, and liabilities.
Liability Insurance: Protecting your business from third-party claims for injury or property damage.
Stock Insurance: Covering the vehicles and parts you have in stock.
How can I get cheaper motor trade insurance?
Riviera Insurance is committed to finding you the most cost-effective motor trade insurance without compromising on essential cover. Here are some tips to help you get cheaper insurance:
Secure Premises: Implement robust security measures at your trading premises to reduce risks.
No Claims Bonus: If you have a proven track record of no claims, it can positively impact your insurance cost.
Restricted Drivers: Limit the number of drivers covered, ideally to those over 25 with a clean driving record.
Voluntary Excess: Consider opting for a higher voluntary excess to lower your premium.
Compare Quotes: Obtain quotes from multiple insurers to find the best deal.
What can affect the motor trade insurance price?
Several factors can influence the price of your motor trade insurance, such as:
Business Activities: Certain motor trade activities may carry higher risks and, therefore, impact the cost.
Location: The area where your business operates can affect insurance prices.
Claims History: Previous claims or a lack of no claims bonus can influence the cost.
Security Measures: Having robust security measures can positively impact your premium.
Optional upgrades and add-ons
Riviera Insurance offers optional upgrades and add-ons to enhance your motor trade insurance cover, including:
Tools and Equipment Cover: Protection for your valuable tools and equipment.
Business Interruption: cover for financial losses in case your business operations are interrupted.
Legal Expenses: Assistance with legal costs in the event of a claim.
Personal Accident: Cover for you and your employees in case of accidental injury.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
What types of motor trades can I insure?
Riviera Insurance caters to a wide range of motor trade businesses, including but not limited to:
Car Dealerships
Mechanics and Garages
Body Shops and Crash Repair Centres
Car Valeting and Detailing Services
Mobile Mechanics
Car Transporters
Frequently asked questions
Motor trade insurance is a specialised type of insurance that provides cover for businesses involved in the buying, selling, servicing, repairing, or valeting of vehicles. It protects motor traders against various risks they face while operating in the automotive industry.
Motor trade insurance is essential for individuals and businesses engaged in activities such as car dealerships, mechanics, car valets, body repair shops, and MOT stations, among others. It is a legal requirement for any business dealing with customer vehicles or having them on their premises.
Cover may vary depending on the policy, but typical motor trade insurance includes road risks cover, public liability insurance, employer’s liability insurance, product liability insurance, business premises coverage, tools and equipment cover, and stock coverage.
Road risks insurance is a fundamental component of motor trade insurance, providing cover for vehicles that you don’t own but are in your custody, control, or being driven for motor trade purposes. It can include third-party only, third-party fire and theft, or comprehensive cover.
Yes, if you operate a motor trade business, you are legally required to have at least road risks insurance in place. This is to ensure that third parties are protected if an accident occurs involving a vehicle under your control.
Yes, many motor trade insurance policies allow you to add named drivers to the policy. However, the drivers’ details, driving history, and ages will affect the premium.
No, motor trade insurance is designed to cover vehicles used for business purposes only. For personal use, you will need separate personal car insurance.
Yes, demonstration vehicles are typically covered under a motor trade insurance policy, as they are used for business purposes to showcase vehicles to potential customers.
Public liability insurance provides cover for third-party injury or property damage claims that may arise while operating your motor trade business. It protects you from legal and financial liabilities.
Other products that we offer…
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, providing a truly personal service across the UK – with no call centres. We take the time to understand your insurance needs to find you the most suitable policy at a competitive price.
With a range of optional extras available, you can tailor your cover to suit your needs and budget. Finding cheap insurance has never been simpler. If you are local to Torbay, you can even pop in to our high street office on Union Street in Torquay and arrange your insurance with us in person.
