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Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
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Whether you're fixing engines, detailing vehicles, transporting stock, or running a tyre shop, the motor trade comes with unique risks. Our Combined Motor Trade Insurance is designed to bring all your essential protections together—covering your people, premises, equipment, and vehicles in one efficient policy.

From mechanics and valeters to body shops and parts suppliers, we offer tailored cover to suit every corner of the trade.

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What is Combined Motor Trade Insurance?

Combined Motor Trade Insurance is a versatile policy that bundles multiple types of insurance into one package, specifically designed for businesses in the automotive sector. Whether you're customer-facing or behind-the-scenes, it covers the operational, legal, and financial risks faced by modern motor traders and support services.

Perfect for motor trade businesses of all sizes—whether you operate from a fixed location, work from home, or run a mobile setup.

Who is Combined Motor Trade Insurance for?

This policy is ideal for:

  • Vehicle repair & servicing garages
  • Body repair shops & spray booths
  • Tyre fitters & alignment specialists
  • MOT stations
  • Auto electricians
  • Car valeters & detailers
  • Windscreen fitters
  • Parts & accessory suppliers
  • Recovery & transportation operators
  • Vehicle storage facilities
  • Used car dealers & traders
  • Diagnostic techs and ECU tuners

If you work in or around the motor trade, we can shape cover to match your business model.

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What does Combined Motor Trade Insurance cover?

Every business is different, so our cover options are modular. Popular protections include:

Road Risks Insurance

Covers your business to drive customers' vehicles or your own trade stock. Includes Any Driver options (subject to age and licence criteria), ideal for flexible staffing.

Public Liability Insurance

Covers injury or property damage to the public arising from your operations.

Employers’ Liability Insurance

Legally required if you employ staff, covering injury or illness claims from employees.

Premises & Contents Insurance

Protects workshops, forecourts, showrooms, tools, and machinery from damage, theft, or fire.

Stock of Vehicles Cover

Protects cars, bikes, vans or other trade vehicles you own or store.

Business Interruption Insurance

Compensates for income loss and increased costs if you’re forced to shut down due to a covered event.

Tools & Equipment Cover

Covers portable and fixed tools used for repair, diagnostics, or detailing—on-site or in-transit.

Goods in Transit Insurance

Protects vehicle parts or goods being moved between locations.

Sales & Service Indemnity

Covers liability from issues arising after vehicle sales or completed repairs.

Loss of MOT Licence Cover

Protects against income loss if your MOT testing approval is withdrawn.

Money Cover

Insures business cash on-site, in safes, or while in transit.

Courtesy Vehicle Extension

Ensures vehicles loaned to customers are properly covered.

Excess Layer Insurance

Optional higher-limit liability cover for contracts or high-value risks.

How do Combined Motor Trade Insurance claims work?

Claims are quick and straightforward:

  • Report the incident – As soon as it occurs, contact our team.
  • Provide documents – Depending on the claim, this could include receipts, witness statements, or photographs.
  • Expert assessment – Our claims handlers will evaluate your claim quickly and fairly.
  • Settlement – Once approved, payment or repair support is issued swiftly.

We’re here to minimise downtime and keep your trade rolling.

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How much does Combined Motor Trade Insurance cost?

Your premium depends on factors such as:
Running a business is unpredictable, but with Crowthorne, my insurance isn’t:

  • The size and type of your business
  • The services you offer (repairs, valeting, parts sales, recovery, etc.)
  • Number of drivers and whether Any Driver cover is needed
  • The value of your stock, tools, and premises
  • Claims history and business location

We offer competitive, tailored quotes—only paying for the cover you actually need.

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What Our Customers Say

Why I chose Combined Motor Trade Insurance with Crowthorne

Running a mid-size dealership means juggling sales, servicing, and customer expectations—all while keeping everything protected.

  • Crowthorne took the time to understand my business model, not just tick boxes.
  • They helped me cover everything under one roof—from stock vehicles and test drives to my service bay and sales team.
  • The Any Driver option was a game-changer—my team can work flexibly without the hassle.
  • They made the whole process straightforward, even with the complexities of a busy dealership.
  • When I had a minor claim, they dealt with it quickly and professionally.

If you’re managing a dealership and want cover that keeps up with your business, I’d definitely recommend giving Crowthorne a call.

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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

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Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.