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Motor trade insurance
Comprehensive cover for motor traders, including protection for premises and road risks.
Cover details
Standard cover
Our standard cover includes:
- Material damage – all risks, including theft
- Business interruption
- Acts of terrorism
- Goods in transit
- Loss of business money and personal assault
- Personal accidents
- Employers’ liability
- Public liability
- Defective workmanship and sales indemnity
- Legal expenses
- Wrongful conversion
- Engineering cover
- Computer insurance
- Road risks cover
- Fidelity guarantee
See the policy documents for more details.
Optional cover
You can extend the insurance to cover:
- Loss of MOT licences
- Unaccompanied test drives
- Loan and hire arrangements
- Fixed-rate engineering inspections
Our target customers
This cover is suitable for:
- UK-based businesses operating from genuine commercial premises
- Auto electricians
- Car body and repair shops
- Car or motorcycle sales – new and used
- Car supermarkets
- Sales, service and repair of light commercial vehicles
- Tyre and exhaust fitters
- Windscreen fitters
Risk appetite
We prefer to cover:
- Businesses in operation for 3 or more years with confirmed claims experience
- Businesses operating from genuine commercial premises
- A minimum cover selection of material damage, public liability and road risks
This product is not designed to cover road risks in isolation.
Ready for a quote?
Brokers
Contact us for a quote or for more details. We are here to help.
Customers
You’ll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
Some of following documents use NIG branding. We’ll be replacing them with the Intact Insurance versions soon.
October 2025
September 2025
Our target customers
This cover is suitable for:
- UK-based businesses operating from genuine commercial premises
- Auto electricians
- Car body and repair shops
- Car or motorcycle sales – new and used
- Car supermarkets
- Sales, service and repair of light commercial vehicles
- Tyre and exhaust fitters
- Windscreen fitters
Risk appetite
We prefer to cover:
- Businesses in operation for 3 or more years with confirmed claims experience
- Businesses operating from genuine commercial premises
- A minimum cover selection of material damage, public liability and road risks
This product is not designed to cover road risks in isolation.
Ready for a quote?
Brokers
Contact us for a quote or for more details. We are here to help.
Customers
You’ll need a broker registered with Intact Insurance to buy this cover.
Contact your broker or find a broker with BIBA.
Documents
Policy documents
Some of following documents use NIG branding. We’ll be replacing them with the Intact Insurance versions soon.
October 2025
September 2025
