Motor Trade Combined Package Insurance is a comprehensive policy designed to protect businesses involved in the buying, selling, repairing, or servicing of vehicles. Whether you run a car dealership, a garage, or a body shop, this policy covers a wide range of risks, including damage to vehicles, public liability, business interruption, and more. With Motor Trade Combined Package Insurance, you can protect your business, staff, and customers from financial loss due to accidents, theft, or property damage.

Complete Protection for Motor Trade Businesses

The motor trade industry involves various risks, from accidents involving customer vehicles to the theft of stock. Motor Trade Combined Package Insurance provides tailored cover to address these risks, ensuring your business can operate smoothly and securely. This insurance is ideal for car dealerships, vehicle repair shops, MOT centres, and other motor trade businesses.

Features and Benefits of Motor Trade Combined Package Insurance

• Road risk insurance: Cover for vehicles while they are being driven on public roads, including those owned by customers or the business.

• Public liability insurance: Protects your business from claims made by third parties for injury or property damage while on your premises.

• Employers’ liability insurance: A legal requirement if you employ staff, covering injury or illness claims made by employees.

• Stock and equipment cover: Protects the vehicles and equipment you use or sell from damage, theft, or vandalism.

• Business interruption cover: Compensation for lost income if your business is forced to close temporarily due to an insured event, such as fire or flood.

• Material damage cover: Protection for buildings, tools, and machinery used in your motor trade business.

What is Typically Covered?

A Motor Trade Combined Package Insurance policy may include:

• Road risk cover: Insurance for vehicles driven on public roads, whether for business purposes or when moving customer vehicles.

• Public liability: Covers claims made by customers or visitors injured on your premises or if their property is damaged.

• Employers’ liability: Mandatory cover for employee injury or illness sustained while working at your business.

• Stock and equipment: Covers the loss or damage of vehicles, parts, tools, and machinery due to fire, theft, or vandalism.

• Business interruption: Compensation for loss of earnings if your operations are halted due to events such as fire, flood, or storm damage.

Common exclusions may include:

• Wear and tear: General deterioration of vehicles or equipment due to regular use.

• Unattended vehicles: Theft or damage to vehicles left unattended without proper security measures.

• Intentional damage: Damage caused intentionally by staff or customers may not be covered unless specified in the policy.

Each policy can be tailored to fit the specific needs of your motor trade business, ensuring that all areas of potential risk are covered. Becks insurance brokers will work with you to create a bespoke plan that provides full protection for your operations.

Protect Your Business with Becks Motor Trade Combined Package Insurance

Safeguard your motor trade business from a wide range of risks with a tailored Motor Trade Combined Package Insurance policy. Becks Insurance Brokers offer comprehensive protection for garages, dealerships, and repair centres. Book an appointment with a broker here or request a personalised quote online here.