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Car Dealers Insurance for UK Motor Dealers and Vehicle Sales Businesses
Whether you sell vehicles from a forecourt, showroom, commercial premises or from home, having appropriate Car Dealers Insurance is an important part of protecting your business.
Motor dealers face a range of risks, from accidental damage to vehicle stock and customer test drives to liability claims and business interruption. Car Dealers Insurance is designed to bring together the cover your business may require, helping protect your vehicles, premises, employees and day-to-day operations.
At 1st Choice Insurance, we help motor dealers across the UK arrange insurance that reflects the way they trade. Whether you’re an independent vehicle trader, a used car dealer, or operate a larger dealership, we can help you explore suitable insurance options.
Get a Car Dealers Insurance Quote
Our team will take the time to understand your business and discuss the cover options available for your motor dealership.
Call our team on 03301 081615, or use our Get a Quote Form.
What is Car Dealers Insurance?
Car Dealers Insurance is designed for businesses involved in buying, selling or storing vehicles as part of their trade.
Unlike a standard motor insurance policy, Car Dealers Insurance can include protection for vehicle stock, road risks, premises, liability and other areas associated with running a motor dealership.
Depending on your business activities, a policy may include:
- Road Risks Insurance
- Vehicle Stock Cover
- Public Liability Insurance
- Employers’ Liability Insurance
- Business Premises Insurance
- Contents Insurance
- Tools and Equipment Cover
- Goods in Transit Insurance
- Business Interruption Insurance
The exact cover available will depend on your business activities and insurer acceptance criteria.
Who Needs Car Dealers Insurance?
Car Dealers Insurance may be suitable for businesses involved in:
- Selling used cars
- Selling new vehicles
- Vehicle dealerships
- Car sales businesses operating from home
- Independent motor traders
- Vehicle forecourts
- Showrooms
- Multi-site dealerships
Whether you sell a small number of vehicles each month or manage a larger operation with multiple employees, insurance can be tailored to reflect the way your business operates.
If you employ staff, Employers’ Liability Insurance is generally a legal requirement in the UK.
What Can Car Dealers Insurance Cover?
Every dealership operates differently, which is why policies can be tailored to include the protection most relevant to your business.
Road Risks Insurance
Road Risks Insurance covers the use of vehicles for motor trade purposes, including activities such as vehicle collection, delivery and customer test drives, subject to the terms of the policy.
Vehicle Stock Cover
Your stock represents one of the largest assets within your business. Vehicle Stock Cover helps protect vehicles held for sale against insured risks such as theft, fire or accidental damage.
Public Liability Insurance
Public Liability Insurance helps protect your business if a member of the public suffers injury or property damage connected to your business activities.
Employers’ Liability Insurance
If you employ staff, Employers’ Liability Insurance is a legal requirement and helps protect your business against claims arising from workplace injuries or illnesses.
Business Premises Insurance
If you operate from a showroom, forecourt, office or workshop, cover may be available for buildings, contents and business equipment.
Tools and Equipment Cover
Businesses that maintain or prepare vehicles for sale may wish to include cover for tools, diagnostic equipment and workshop machinery.
Goods in Transit Insurance
Protects tools, equipment or business property while being transported between locations.
Business Interruption Insurance
Business Interruption Insurance may help support your business if trading is interrupted following an insured event.
Benefits of Car Dealers Insurance
Running a motor dealership involves managing vehicles, customers, employees and valuable business assets. A suitable insurance policy helps protect your business against many of the risks associated with vehicle sales.
Protection for Vehicle Stock
Vehicle stock is often one of the most valuable assets a dealership owns. Insurance can help protect vehicles held for sale against a range of insured risks.
Support for Customer Test Drives
Many dealerships allow prospective customers to test drive vehicles. Appropriate cover can help support these activities where included within the policy.
Liability Protection
Public Liability and Employers’ Liability Insurance can help protect your business against claims arising from accidents or injuries involving customers, visitors or employees.
Protection for Business Premises
Whether you operate from a forecourt, showroom or office, insurance can include protection for buildings, contents and business equipment.
Flexible Cover Options
Policies can often be tailored to reflect your business activities, whether you trade from home, operate a single dealership or manage multiple locations.
Business Continuity
Unexpected incidents can interrupt day-to-day trading. Insurance can help businesses recover following certain insured events and support a return to normal operations.
Frequently Asked Questions
What is Car Dealers Insurance?
Car Dealers Insurance is designed for businesses involved in buying and selling vehicles. It can include cover for vehicle stock, road risks, liability, premises and business equipment.
Can I get Car Dealers Insurance if I work from home?
Yes. Insurance may be available for businesses that buy and sell vehicles while operating from a home address, depending on the nature of the business and insurer criteria.
Is Road Risks Insurance included?
Road Risks Insurance can often be included within a Car Dealers Insurance policy, depending on your business requirements.
Do I need Employers’ Liability Insurance?
If you employ staff, Employers’ Liability insurance is a legal requirement in the UK.
Does Car Dealers Insurance cover customer test drives?
Many policies can include demonstration cover for customer test drives, subject to the policy terms and conditions.
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