Protect your business with the right motor trade insurance

Motor trade insurance is a requirement for any motor trader or anyone who deals with vehicles as part of their business. If you buy or sell cars, valet or maintain them, or offer breakdown service, you’ll need the right motor trader cover, also known as traders insurance.

We offer two kinds of motor trade insurance, so you can choose the option that works best for your needs. Road risk insurance covers you to drive vehicles on the road, and protects you against the costs of damage, fire and theft. Combined motor trade insurance will also cover your business premises if you operate from one, and cover your tools and any other equipment.


  • Covers you to move vehicles between locations to buy, sell or repair them
  • Covers the vehicles in your control
  • Third party, third party fire and theft, or comprehensive cover depending on your needs


  • Combined road risk insurance will also cover your business premises, including contents and tools
  • We can include employers and public liability insurance depending on your needs
  • Add whatever business cover you require: combined insurance is totally customisable to you

Get A Quote

Need a quote for road risk or combined insurance? Want to find out what liability insurance you can add to your combined motor trade policy? We’re here to help.

Send us a message below and we’ll call you back, or call our trade team directly on 0121 248 9300.

How do I know if I need motor trade insurance?

If you are trading vehicles, buying and selling them on a part-time or full-time basis then you will need a motor trade insurance policy. You’ll also need motor trade insurance if your business is to repair or service other people’s vehicles.

Do I qualify for motor trade insurance?

As long as you can prove you work in the motor trade insurance, you should qualify for motor trade insurance. Some insurers will require you to provide proof of trading; if you’re unsure about how to do this, just ask us.

Why choose Tradesure?

We’re independent, meaning we can go to the whole market to find you the best possible cover for your needs

We give you a dedicated personal service – always talk to the same person

Free MID updates

Quick quotations and document issue

We can help you cover your business premises, your home, and provide liability insurance, cyber cover to protect against cyber attacks, and much more.


What's the maximum number of vehicles I can insure on a motor trade policy?

There is no restriction on the number of vehicles you can cover, but you will need to tell us the maximum value of any one vehicle. If you drive a vehicle worth more than this you will only be paid out the maximum you declared at the start of your policy. This can be increased at any time during your policy; just give us a call.

Can I get immediate cover over the phone?

Yes – we can provide immediate cover over the phone once payment has been set up (or paid in full if you prefer).

Can I pay for my insurance by instalments?

Yes you can. Just ask us about our finance options.

What is combined liability insurance?

Commonly a business will take out both public liability insurance and employer’s liability insurance together – this is known as a combined liability policy. Tradesure offer combined liability insurance with additional cover for:
Product liability insurance
Directors’ and Officers’ insurance
Professional indemnity insurance
Trustee insurance