Banner image featuring a line of new cars for sale in a garage forecourt.

Motor Trade Insurance

There are over 42,000 garages in the UK, and no two are the same. At Higos, we understand the UK Motor Trade is made up of tens of thousands of individual businesses. Whether your customers’ cars are on a ramp or in a showroom, you need bespoke motor trade insurance.

Our Motor Trade Insurance cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents, and liability), a motor trade policy can cover risks specific to your business:


  • Property Damage
  • Business Interruption
  • Legal Liabilities
  • Road Risks
  • Trade Car Insurance
  • Additional Package Covers
  • Statement Of Fact based
  • Automatic vehicle sum insured of £250,000
  • Flat Rate Engineering Inspection Premium (irrespective of the number of items)
  • MOT loss of licence covering the full resultant loss of profit
  • Underwritten by experienced Motor Trade insurers


For a motor trade insurance quote today, please call 01458 270323 or click the 'Request a call back' button.

If you are an existing Higos customer, please call your branch

woman mechanic fixing car motor trade

A motor trade policy tailored to your business

At Higos, we don’t try and squeeze everyone into the same box or sell you ‘one-size-fits-all’ cover. Instead, we provide competitive, bespoke motor trade insurance policies for a wide range of local workshops, fast-fits, independent used car showrooms, or nationwide dealerships.

Our experienced team of motor trade insurance brokers has the knowledge and expertise to assess your risks and find a policy that mitigates them. As an award-winning Commercial team, we’ve developed excellent relationships with a wide panel of insurers and have access to numerous markets. Not to mention an in-house underwriting team for our Delegated Authority scheme. All of which means that we can find your ideal motor trade insurance and hopefully save you money, too.

motor trade insurance

What is Motor Trade Insurance?

If you’re a business that requires you to drive a customer’s vehicle, store their vehicle on your business premises, or hold a vehicle in your care and control, you need a specialist motor traders insurance policy. Once a customer leaves their vehicle in your care, you become responsible for their vehicle and are legally required to hold at least third-party cover. If the vehicle is then damaged or stolen, a motor trade policy will financially cover you for the loss.

Our motor trade insurance can cover a wide variety of businesses from mobile mechanics to large motor dealerships. Our aim is to provide you with the reassurance that only comes with a programme specifically built for your motor trade business. This leaves you free to focus on looking after your clients and growing your business.

motor trade insurance

Who needs Motor Trade Insurance?

At Higos, we love motor trade insurance and have been specialising in the motor trade sector for many years. As a motor trade insurance broker, we provide tailored policies to a wide range of businesses including:

  • Mechanics 
  • Motor dealers
  • Motor vehicle and motorcycle dealers
  • Garages
  • Tyre fitters
  • Mobile mechanics
  • Vehicle servicing
  • Vehicle collection & delivery
  • Motor vehicle repair body shops
  • Vehicle accessory manufacturers
  • Vehicle electricians
  • Valets
  • Security device installers
  • MOT testing stations
  • Breakdown & recovery firms
  • Vehicle scrap yards
mechanic fixing car

Exceptional claims management when you need it most

Unfortunately, the unexpected can happen out of the blue. In the event you need to make a trade car insurance claim, our in-house claims advisors will be on hand to help with any immediate assistance you need. Your claim will be settled quickly and smoothly with the chance to recover your losses. That way, you can keep your business running with minimal disruption.

Our Chartered Insurance Brokers are experts in Motor Trade Insurance and are here to help in any way we can. For bespoke advice, award-winning underwriting, and exceptional claims management, it has to be Higos.

All Your Questions, Answered

Wondering how motor trade insurance works, or who can be part of your policy? Every motor trade business is different, so it stands to reason that every policy needs to be different too. Take a look at our frequently asked questions to find out more about our motor and trade car insurance policies and how they can work for you.

Want to know something specific? Just get in touch.

Contact us Higos

For independent advice or a personal quote for your motor trade policy: