Specialist insurance professionals that are knowledgeable on the refined market placement and astute in supporting clients in managing complex operational risks in the sector.
Specialist insurance professionals that are knowledgeable on the refined market placement and astute in supporting clients in managing complex operational risks in the sector.
Specialist Risk Group (SRG) delivers specialist insurance programmes tailored for businesses operating in the motor trade sector. We combine deep industry knowledge, market-leading products, and hands-on risk management to keep your business protected, productive, and resilient.
The motor trade industry faces increasing pressure from rising repair costs, labour shortages, evolving vehicle technologies, and tighter safety standards. These operational challenges heighten the impact of accidents, equipment breakdowns, and liability exposures. Specialist insurance and proactive risk management are essential to ensure business continuity and protect profit margins across workshops, dealerships, and mobile operations.
Escalating parts pricing, specialist tooling, and longer repair times increasing operational pressure.
Difficulty recruiting and retaining qualified technicians, affecting productivity, and service capacity.
Increased complexity from EVs, ADAS systems, and advanced diagnostics requiring new skills and equipment.
Greater compliance expectations across workshop practices, equipment use, and staff procedures.
Exposure from test drives, customer vehicles, and staff use of trade plates.
Fire, theft, and accidental damage across showrooms, workshops, and forecourts.
Injury or property damage involving customers, visitors, or subcontractors.
Failure of lifts, diagnostic tools, or essential plant affecting operations.
Loss of income following major incidents that halt trading activity.
Increasing vulnerabilities from digital booking systems and vehicle diagnostics.
We arrange cover for all types of motor trade businesses, with specialist expertise across the following trades:
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Indemnity for costs and awards for allegations of employee injury, third-party damage, and site liability exposures.
Cover for employee injury or illness arising from their work.
Protection for buildings, contents, fixtures, fittings, and operational assets.
Safeguards income if operations are disrupted following an insured event.
Protects against data breaches, system attacks, and digital disruption.
Coverage for commercial vehicles, from vans to HGVs, managed under one policy.
Most motor trade businesses require a combination of Motor Trade Combined, Road Risks, Property, Business Interruption, and Liability cover. The exact structure depends on your activities, premises, and vehicle exposure.
Yes. Any business driving customer or stock vehicles on the road, even infrequently or over very short distances, typically requires Road Risks cover.
Often, yes. Mobile operations, home-based traders, and roadside work create different risk considerations compared to fixed premises such as workshops or showrooms.
Yes. Policies can be structured around specific activities such as valeting, detailing, storage, transport, recovery, or specialist repair work.
Yes. Many policies can be structured to include cover for customers’ vehicles while they are in your care, custody, or control.
Business Interruption cover can be arranged to support loss of income and ongoing costs if trading is disrupted following an insured event.
Yes. Many businesses rely on booking systems, payment platforms, and digital diagnostics, which can be vulnerable to cyber incidents and data breaches.
Electric vehicles, ADAS systems, and advanced diagnostics increase complexity and repair costs. This can influence risk assessment, claims exposure, and the type of cover required.
Often, yes. Finance houses, leasing companies, and fleet providers commonly require evidence of minimum insurance limits before approving partnerships.
Usually. Expanding premises, increasing stock levels, adding services, or taking on more staff typically means insurance should be reviewed and adjusted.
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