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Motor Trade Insurance

Whether you’re a part time car salesman or a full time mechanic, we tell you everything you’ll need to know about motor trade insurance. Find out more and get a quote today.

We get it

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Finding the right motor traders insurance can be a complicated and lengthy process. We get that, so we make things simple for you. With a team of motor trade insurance specialists and a simple online quote system, we can get you covered – fast.

Whether you're a mechanic, a used car salesman or a manager of a valeting service, we treat every company as an individual client. So you get the motor trader insurance you actually want.

Get your motor trade insurance quote today.

Why us?
Motor Trade Guides
Motor Trade FAQS
  • Full and part-time motor traders insurance available
  • Policies available for traders with premises or working from home
  • Cover for vehicles up to 7.5 tonnes
  • Easy Motor Insurance Database (MID) access with no charge to add/remove vehicles
  • Innovative smartphone app for handling MID updates on the go

How to make a claim on your Motor Trade insurance

When an incident or accident occurs out of the blue, this can lead to you potentially needing to make a claim on your motor trade insurance. To help make this process as simple as possible we’ve put together this short guide.

A Beginner's Guide to Car Auctions
Car auctions play an important role in the motor trade industry - they are a popular place for traders to buy and sell used cars. If you’ve never been to a car auction before then be ready for a memorable experience. Read more

What you need to know about becoming a Motor Trader
Ever dreamt of being your own boss and running a successful business? Becoming a motor trader could be the answer. If you’re thinking of entering the exciting world of motor trade there are plenty of positives. Read more

How to read your Motor Trade insurance policy
Reading through your motor trade insurance policy wording might not be at the top of your bucket list, at times it can be confusing and frustrating - but it’s important that you do. Read more

How to check if a vehicle is registered on the Motor Insurance Database (MID)
The information you provide that relates to your motor trade insurance policy will automatically be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”). Read more

Understanding No Claims Bonuses
We all like to save money and when it comes to insurance having no claims is a good way to reduce your premium. Staveley Head motor trade can offer discounts for those with no claims of 1-5 years. Here is where you’ll find basic information about No Claims Bonus (NCB) or No Claims Discount (NCD) and how it works. Read more

Motor Trade Road Risks
We cover the ‘road risk’ if you have customer’s vehicles in your care, control or custody for the purpose of your business. Examples of those who need a motor trade road risks policy are full or part-time traders, vehicle salesmen, auto repair or car valeting service plus more. Read more

How technology is changing the face of the Motor Trade
Technology is always changing the way we interact with each other and the world around us - including the way we buy cars! This can prove tricky for motor traders trying to keep that competitive edge. As providers of motor trade insurance, it’s important that we understand how technology is changing the motor trade. Read more

Everything you need to know about rising motor trade insurance premiums and fraud
Rising insurance premiums can be an issue for many, and in this guide, we offer useful information looking at why motor trade insurance premiums rise. Read more

Petrol, diesel, hybrid or electric?
For years there has been a battle at the pumps between petrol and diesel. Which is more economical? Which offers the best performance? Is diesel a more comfortable ride than petrol or vice-versa? Read more

Motor Trade Business regulations
If you’re thinking of becoming a car or motor trader here are some of the rules and regulations you might need to consider. Read more

Your motor trade insurance questions answered

Do I need Motor Trade Insurance?
You will need a Motor Trade Road Risks policy if you have customer’s vehicles in your care, control or custody for the purpose of your business.
For those involved in vehicle sales, the cover is required for collecting, delivering and demonstrating vehicles.
Do I qualify for a Motor Trade Insurance policy?
If you can prove that you are operating a genuine, income generating business you may qualify for motor trade insurance. Some restrictions to this are outlined below:
The business must reside and trade only in the UK.
The business must generate at least 10% of your annual income with a minimum of 6 sales/contracts per year.
Vehicles are limited to private cars and commercial vehicles that can be driven with a standard driving licence only.
Drivers must be aged between 25 and 69.
All drivers must have been permanently resident in the UK for 3 consecutive years immediately prior to inception.
All drivers must have held a full UK driving licence, applicable to the vehicle being driven at any given time, for at least 2 consecutive years immediately prior to inception.
A maximum of 4 named drivers, including the policyholder, is allowed.
I need to drive several vehicles - is a motor trade policy what I need?
Motor trade insurance is not a means to get cover on multiple vehicles. To qualify for a motor trade policy, you must be able to prove that you are operating a genuine, income generating business, whether that's buying and selling used cars or performing a mobile repair service, for example. To discuss further, please call our office on 0333 370 7777. If you need to claim under your policy, you’ll be expected to provide proof of trade in the form of audited accounts and receipts.
Do I need to tell you each time I acquire a vehicle?
Current legislation means that you need to keep the MID up to date with regard to vehicles you own, or are likely to be in your custody for a certain length of time. You also need to remove any vehicles from the MID as soon as you’re no longer in possession of them. Our motor trade insurance team will be able to help you regarding the MID and your responsibilities.
What is the Motor Insurers’ Database (MID)?
The Motor Insurance Database (MID) is a register of all vehicles insured and the identity of the relevant insurer. It is a legal requirement for motor trade policyholders to supply accurate and timely updates to the MID or face fines of up to £5,000.
Can I add vehicles to the MID by text message (SMS)?
No, but you can make MID changes using our smartphone app or through our online MID update portal easymid.co.uk.
I'm a Part-Time Trader; Can I Still Get Motor Trade Insurance?
Yes, we provide motor trade insurance for both full-time and part-time motor traders.
Will I be covered to drive any vehicle?
No, you are covered to drive any vehicle either owned by or registered to yourself or any vehicle that is in your care custody or control for the purpose of the motor trade.
Can I cover motorcycles under a motor trade policy?
Yes, we do provide third party maximum cover for motorcycles under motor trade. To arrange this please call us 0800 023 7210.
Does my Motor Trade policy come with Public Liability Insurance?

No, but this can be purchased as an optional extra. Take a look at our Public Liability Insurance.
Do you provide cover for younger drivers?
We offer a range of motor trade insurance solutions but we do not provide cover for drivers under 25.

MID Updates

As a Staveley Head Motor Trade Insurance policyholder, you can register for access to EasyMID, our online MID update portal. The portal will allow you to maintain your vehicle records quickly and easily.


Want an even easier MID update tool?
Now you can add and remove vehicles from the MID with the UK's first fully functional app, available for both iPhone and Android.

Types of Motor Trade insurance

  • Third party insurance: This basic level of insurance offers up to £1m cover for your legal liability to others. There is an unlimited liability for death.
  • Fire and theft insurance: Gives you cover for loss or damage to your vehicles by fire, theft or attempted theft. Third party property damage liability is covered up to £1m and cover for death is unlimited.
  • Comprehensive insurance: This provides the highest level of cover for loss or damage to your motor trade vehicles. Included is cover for loss or damage to your vehicles by fire, theft or attempted theft. There is also £1m cover for your legal liability to others and cover for death is unlimited.

What other Motor Trade insurance options should I consider?

If you wish to increase your cover, then you might wish to consider our motor trade insurance optional extras:

  • Liability Insurance: This is essential cover to avoid potentially putting your business in jeopardy. We have public, product and employers’ liability cover which you’re required to have by law.
  • Breakdown Insurance: Our breakdown insurance offers national coverage 24/7.
  • Excess Protection Insurance: In the event of a fault or 50/50 claim, get protection against the cost of your motor trade insurance excess.
  • Motor Legal Insurance: Make sure your legal fees are covered if you’re involved in a non-fault accident.

Other cover options you may be interested in

Car insurance: We can give you a car insurance comparison quote. There’s also optional No Claims Discount (NCD) protection available and a multi-car discount for insuring 3 or more vehicles.

Motorcycle insurance: With a wide range of motorcycles covered including mopeds, tourers, scooters and also a multi-bike policy available. We compare bike insurance quotes to get you the right cover at a competitive price.

Classic car insurance: Getting a classic car insurance quote is quick and simple. We offer discounts for limited annual mileage and there’s optional NCD protection.

Motor Trade Insurance Insurance
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