Motor Trade Liability Insurance
Liability insurance offers valuable protection for any motor trade business and is an important part of a comprehensive motor trade insurance policy. While road risk insurance covers your vehicles on the road, liability insurance helps protect you from costly claims if a customer, employee, or member of the public is injured or their property is damaged due to your work. It’s not a legal requirement, but having liability cover shows professionalism and reassures your customers that you take responsibility seriously.
No matter if you’re a full-time or part-time trader, working from home or a business location, there’s always some risk when dealing with customers. Our liability cover is tailored to fit within your wider motor trade insurance and can protect you against unexpected financial costs if a claim arises.
If you have employees, employers’ liability insurance is required by law.
Should you ever need to make a claim, we’ll be here to guide and support you every step of the way. Get a Motor Trade Liability Insurance Quote
What Does Motor Trade Liability Insurance Cover?
Our public liability insurance starts with £1 million of cover, with the option to increase it to £2 million or £5 million, depending on your business needs. You can choose between Public Liability Only or a combined policy that includes Employers’ Liability. Plus, our public liability insurance automatically includes product liability and service indemnity, giving you extra protection at no extra cost.
Public Liability
Motor Trade Public Liability insurance protects you if a member of the public claims they were injured or their property was damaged because of your business activities.
Employers’ Liability
If you hire someone to work for you, the law requires you to have this policy. It protects you if they get sick or injured because of their work and decide to make a claim against you.
Product Liability
Our public liability policies automatically include product liability. This protects you if a customer is injured or their property is damaged because of a faulty product.
Service Indemnity
Included in our public liability policy, this covers legal costs if a customer claims they suffered a loss due to faulty work or incorrect advice.
Which Motor Trades Benefit from Liability Cover?
We can supply tailored motor trade liability insurance cover for the following motor trade businesses.
Car Sales
Whether you are selling cars from home or have a dedicated location
Mobile Mechanics
If you are on the move or fixing vehicles wherever they need help
Vehicle Repairs
Whether you are working from home or in a workshop
MOT Garage
If you specialise in vehicle inspections
Vehicle Breakdown & Recovery Service
Helping people out of sticky situations
Valeting Business
Keeping those cars looking shiny and clean
Bodyshop Repairs
Making vehicles look as good as new after an accident
What are the Benefits of Motor Trade Liability Insurance?
Having liability insurance gives your motor trade business important protection, including:
Legal Compliance
Required should you have employee’s
Financial Security
Covers financial costs should a claims be made
Professional Image
Gives customers confidence in using your services
Comprehensive Cover
Public, product, and service indemnity as standard, with the option to add employer’s liability
Flexibility
Choose liability limits of £1M, £2M, or £5M to suit your business needs.
Seeking impartial advice and guidance on the best level of insurance cover for your business?
Please call our customer service team on 0330 053 5110, we will be happy help.
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Why Choose Nash Warren for your Insurance?
With over 50 years of insurance experience between the directors alone, Nash Warren know exactly how to get you the best deal.
- Dedicated Support Team
- Transparent Communication
- Claims & Mid Update Support Anytime
- 80% Policy Renewal Rate
- Exclusive Policy Savings
See how much
can save you and your business!
Frequently Asked Questions
Do I Need Employers’ Liability Insurance For My Motor Trade Business?
Yes — if you employ anyone in your motor trade business, even on a casual or part-time basis, you’re legally required to have Employers’ Liability Insurance. It protects you and your employees if they’re injured or become ill as a result of their work.
How Much Does Motor Trade Liability Insurance Cost?
The cost of Motor Trade Liability Insurance varies depending on factors like the size of your business, the services you offer, your claims history, and the level of cover you need. Our policies start from £246 per year, but the final price can range from a few hundred to several thousand pounds annually. It’s best to get a tailored quote to ensure you have the right cover at a competitive price.
Can I Get Cheap Motor Trade Liability Insurance?
Working with a specialist motor trade insurance broker is one of the best ways to find cheap motor trade liability insurance that still provides the right level of protection for your business. A broker can tailor a policy to suit your needs without unnecessary costs.
What’s the difference between road risk insurance and motor trade liability insurance?
Road risk insurance covers you to drive vehicles for your business, like test driving, collecting, or delivering cars. Motor trade liability insurance, on the other hand, protects you against claims for injury or property damage caused by your work activities, staff, or premises.