Motor Trade

Whatever your size or location, our motor trade team can search our panel of insurers for suitable cover. We cover service and repair, MOT stations, vehicle sales, recovery operators, and a range of other motor trades.

Business Insurance

Gallagher insures a vast array of clients – from sole traders to corporate businesses. We offer professional indemnity, public liability, employers' liability and other commercial combined insurance covers. We know that every business is different, and we work hard to understand your needs.

Property Owners

Property owners’ insurance provides cover for commercial or residential property. To make life easier, you can combine both types of property in one policy. You will normally arrange cover for your buildings and can add contents cover, too.

Van and Fleet

If you need insurance for anything from a single van to a mixed fleet of vehicles, Gallagher can help with your insurance needs.

Care and Charity

Gallagher specialise in care, charity and not-for-profit sectors. We understand not all care homes are the same, so cover is tailored to cover your organisation and its unique requirements.

Motor Trade Road Risks, Commercial Vehicle Monday-Friday: 8:30am-6:00pm Saturday: 9am-1pm

Taxi Insurance Monday-Friday: 9am-5:30pm Saturday: 9am-1pm

Motor Trade Combined, Personal Lines, Business Monday-Friday: 8:30am-5:30pm

Commercial Lines, Care & Charity Insurance, Risk Management Monday-Friday: 9am-5:30pm

Please select the department you would like to contact for their details:

Apologies, we are currently experiencing a temporary connection problem with our phone lines at our Altrincham office. Please call 01625 854300 if you require assistance.

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Motor Trade Insurance

Motor Trade Insurance for traders both large and small

Cover options for both road risks and combined

No quote for your upcoming renewal? Give Gallagher a try

What is Motor Trade Insurance?

Motor trade insurance or “traders insurance” gives you cover if you’re buying and selling vehicles either from your home or from business premises. It also provides cover if you repair and service vehicles, offer a roadside breakdown service or fit tyres. There are two types of motor trade insurance policies: road risks or combined. Both provide different levels of cover. We provide motor trade insurance to many motor trade businesses of different sizes. Get a Quote

Types of Motor Trade Insurance

Motor trade insurance is available to anybody who runs a business – for profit – within a motor trade.  It is specifically for this purpose – it is not a personal vehicle insurance policy.

You will therefore need to provide evidence that you are running a motor trade business to be eligible for motor trade insurance.

We can offer insurance cover for:

Numerous trades can be covered, including:

Why Choose Gallagher For Trade Insurance?

Here at Gallagher, we’ve been sourcing the motor trade insurance for decades. This vast experience has enabled us to become a company that many customers come to.

We are also able, in some instances, to obtain insurance for individuals whom would otherwise struggle to find cover, such as young motor traders.

Frequently Asked Questions

Please note that these Frequently Asked Questions are not a substitute for the policy wording.

We offer additional covers including:

Explore our full range of Motor Trade Insurance

Motor Trade Insurance

We work with our panel of insurers to find you the most appropriate cover

Motor Trade Knowledge

Many years experience dealing with the motor trade

Dedicated Account Managers

Our network of account managers work across the UK

FAQS For Existing Customers

Gallagher is always on-hand to answer queries from our clients about  how motor trade insurance works  – simply visit the Contact Us section for full information on how to get hold of us

Here, we answer some of the most commonly asked questions that we are asked by our clients – hopefully, you will get a quick and easy answer to your query!

When Do I Need To Advise You Of Changes To My Business?

There are a number of circumstances in which you should contact us to make changes to your insurance policy.  These include:

How Do I Advise You

Whether you have a road risks motor trade insurance policy or a traders combined policy, contacting us to make a change is easy.

Quote for a Road Risks Policy (suitable for motor traders working from home or on a part time basis)

Call our friendly team for a quote on 0161 8748024.

Our opening hours are:

Monday-Friday: 8:30am-6:30pm Saturday: 9am-1pm

Chat: You can also chat with a motor trade advisor through our online chat facility on our website.

During opening hours our Road Risk advisors are able to answer any quick questions you may have or agree a call-back time to suit you. Simply start your conversation in the chat window at the bottom of our page. If we are not available on the chat facility, you can leave a message and we will come back to you when we are back online.

Existing Customer

Need to tell us about changes to your business? Please call 01625 854 465 

Need to add or remove a vehicle from the MID? Please call 01625 854 465 

Want to upgrade to a traders combined policy? Please call 01625 854 465 

Want to cancel your policy? Please call 01625 854 465

Need to make a claim? Please refer to our claims section to direct you to the right place.

Quote for Traders Combined Policy (suitable for motor traders with premises)

Call our friendly team for a quote on 01625 854443.

Our opening hours are:

Monday – Friday: 8.30am – 5.30pm

Existing Customer

Need to tell us about changes to your business? Please call 01625 348 781

Need to add or remove a vehicle from the MID? Please call 01625 348 781

Are you a road risks customer who wants to upgrade to a traders combined policy? Please call 01625 854 465 

Want to cancel your policy? Please call 01625 348 781

Need to make a claim? Please refer to our claims section to direct you to the right place.

MID – Your Questions Answered

Please note that these Frequently Asked Questions are not a substitute for the policy wording.

Claims

For all non-motor claims in relation to:

Please visit our  separate non-motor Claims page  for further information on how to make a claim.

If you have a motor related claim, please see below for our most frequently asked questions.

Please note that these Frequently Asked Questions are not a substitute for the policy wording.

Motor Trade Guides

So you’re a motor trader and you need to insure your business: to protect your business assets, protect yourself and stay legal.  Or maybe you’re setting up in business for the first time – buying and selling vehicles, or repairing them – and you’re considering whether to work from home or work from a garage or forecourt premises.  Our guide to motor trade covers everything you needs to know – including tips on how to save money.

Gallagher offers policies to home motor traders thinking about expanding into premises. As a large independent insurance broker, Gallagher is well placed to offer help on all aspects of motor trader insurance. We talk to thousands of motor traders every year about their motor trade insurance requirements.

As a motor trader buying and selling a number of vehicles each year, you must have motor trade insurance (it is the individual vehicles that are added to the MID to show against your insurance policy – you don’t add the insurance in its own right to the database!). With every vehicle that you buy… Read more

The Motor Insurance Database is managed by Motor Insurers’ Bureau and is a central record of all insured vehicles in the UK, including commercial motor insurance. The Motor Insurance Database (MID) is a way for the police and DVLA to monitor and take action against the amount of uninsured drivers on the road in the… Read more

Rising insurance premiums in motor trade insurance can leave many people scratching their heads. They are often a cause for concern for motor traders who don’t fully understand why they rise and how they can prevent certain rises. In order to save money on your motor trade insurance you must build up your No Claims… Read more

As a business owner, if you have three or more vehicles in business use and under your ownership, then you should consider motor fleet insurance. Fleet quotes can vary depending on your business requirements. Speak to a broker at Gallagher for advice, as you need to tailor the policy to your unique needs. When… Read more

In many cases, insurance companies see part-time traders as a higher risk than full time. They generally aren’t working as often and are more liable to mistakes. This potentially means more claims being made. When it comes to smaller and part-time traders, more than 75% dealt with by Gallagher are car dealers or mechanics… Read more

An insurance broker provides an intermediary service, or can provide its own products (known as a delegated authority scheme), allowing a broker to give you specialist cover that you might struggle to find elsewhere. Brokers can search for the right policy on your behalf with a number of different insurance companies, to get you the… Read more

What are the best levels of cover for my motor trade business and what are the repercussions of not having the correct cover? As a rule of thumb, price is not always a good way to compare what you are getting. It’s not necessarily all about the cheapest motor trade insurance; check the levels of… Read more

Buying cars for good prices at auctions is an important process for many car traders. When buying vehicles for domestic use, often temporary insurance is needed. This would give you enough time to get it home and fill out the full insurance details. However, as a trader with a motor trader policy, the vehicle will… Read more

At Gallagher, we deal with fraud every day, and have sophisticated detection methods. We undertake validation checks on applicants and have access to shared information on known insurance fraud. Thus, we have built up good relationships with insurance companies who recognise that we do all that we can to eliminate fraud. Of course, there… Read more

This is the question we get asked most often and in all honesty it is the most difficult to answer. It does all depend on your individual circumstances with many factors being taken into account such as proposer age, location of business, services offered, number of employees and experience when compiling a quotation. It also depends… Read more

Gallagher offers a full range of policies to suit all aspects of the motor trade. As a motor trade insurance broker, we have policies and schemes to suit the types of customers we work with on a daily basis. This means that many of our products cannot be found elsewhere from… Read more

Getting a motor trade policy requires proof that you are working in the motor trade. Most traders start off buying and selling cars – but how many do you have to trade to get a motor trade policy? And if you’re servicing or repairing cars, providing a valeting service or fitting tyres, how do you prove the work that you’re doing? Is there… Read more

There is sometimes confusion between what motor trade insurance and private motor insurance covers. Do you need to work in the motor trade to have a motor trader insurance policy? What does it mean to work in the ‘motor trade’? Can you get a standard car insurance policy and buy and sell cars? Here, we look at what a motor trade policy is and compare it to a standard private motor policy to highlight the similarities and point out the differences… Read more

Our existing clients are delighted...

How does motor trade insurance work? Explained

Registering vehicles and updating the MID

Motor traders – changing from home trader to garage premises

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