Motor Trade Cover Eligibility


Are you eligibile to apply for motor trade insurance?

To be able to apply for a motor traders insurance policy you must satisfy certain conditions which will be tested if you make a claim.

1. You must be a motor trader or self employed or employed in the UK motor trade.

A motor trader is defined as someone actively operating a formal business on a full or part-time commercial basis for profit, either selling or buying vehicles or providing a service relating to repair or maintenance of motor vehicles.

2. Road Risk Eligibility to drive any vehicle

Our motor trade road risk policies are only available to those traders who in the course of their daily motor trade activities are required to drive a number of undefined and unspecified cars. Employees can be named drivers on the policies.

For example for a motor dealer it would be their stock of cars for sale on the forecourt and for motor repairers and mechanics the cover would be required to drive the customers car.

3. Under the Road traffic Act a motor trader legally has to have a motor trader insurance policy in force if they:

a) Profit from the trading, buying or selling of cars and motor vehicles.
b) Drive either your their own or customers vehicles on the public highway.
c) Offers the general repair and servicing of any type of motor vehicle including mechanics and tyres.
d) Repair or restore any vehicle, including bodywork and paintshops.
e) Washes and Valet cars, is a mobile mechanic, is a mobile engine tuner or works as a vehicle or engine fitter.
f) Are the proprietors of either a garage or MOT service station.




For an immediate quotation just complete our simple online motor trader combined policy quote enquiry form

Your Name


Contact Name

Telephone Number

Contact Email

Your Motor Trade Insurance Requirements.

Please include covers required such as Premises Sum Insurance and Indemnity levels requested


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Tel: 01278 343 360 to speak to Motor Trade insurance brokers direct

  is a trading style of Higos Insurance Services Ltd

Higos Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FRN 302690)

Company registered in England and Wales. Company Registration No. 2667978

Registered office: Higos Insurance Services Ltd, 7 Cary Court, Somerton Business Park, Bancombe Road, Somerton, Somerset, TA11 6SB

Tel: 01278 343 360 Fax: 01458 274 196 Email:

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