Request A Callback
Request A Callback
Request A Callback
Request A Quote
Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
Request A Callback

A Motor Trade Policy Explained

Motor trade insurance is a policy that allows the flexibility needed for you guys to jump in and out of cars knowing you are fully insured. There is no other insurance around that offers the correct cover you need if you are changing vehicle stock, driving customer vehicles, insuring multiple sales vehicles hence why the motor trade policy was created.

The motor trade is any and all types of businesses that make an income in connection with motorized vehicles, this can be from 44 Tonne Trucks to 3 Wheeled reliant robins. The motor trade combined all sorts of occupation such as mechanical repairs, car dealers, vehicle locksmith, windscreen replacement under one umbrella.

Contact Us
insurance-sigining

Motor Trade Policies Can Cover A Lot!

You can have a combined policy which covers driving, liabilities, machinery and plant, tools , courtesy car cover – really the all singing all dancing policy.

 A road risk policy which covers just the driving aspect.

There are loads of extras that can be included on any of these policies and flexibility really is our deal, whether you need one car covered or a hundred cars covered, vehicles on the back of a recovery truck or tools in the van overnight.

Motor Trade Policies For Motor Traders

Historically a motor trade policy has been abused – used for anything from a family multi vehicle policy to a commercial fleet policy. Motor trade insurance is there for people making an income from the motor trade, with this in mind insurers have started asking for evidence of this to make sure only bona fide motor traders are insured.

Request A Callback
Insurance-For-Home-Based-Workers
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.

Step 1
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.

Step 2
Step 3

Finalise Your Cover

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

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

Cover that fits your needs, no unnecessary extras

Our experienced team arranges tailored policies quickly and competitively, whether you need road risk, combined cover or fleet insurance. No obligation, just clear advice and the right protection.

Every quote is reviewed by experts to make sure it’s compliant, cost-effective and right for your business.

  • Fast, no-obligation quotes
  • Tailored to your business
  • Expert-reviewed cover you can trust

Trusted Insurance Partners

Testimonials

What Our Clients Say

Request A Callback
Reviews
4.6
★ ★ ★ ★ ★
99 reviews
★ ★ ★ ★ ★
Alfie was excellent. He was able to untangle the situation I had with getting car insurance for my daughter. He saved me loads of time searching and he made sure all details were correct. He also explained ....
— Malcolm
★ ★ ★ ★ ★
Very Happy with service and politeness of Crowthorne Insurance
— Adrian Dixon
★ ★ ★ ★ ★
Very good Alfie, Great service quick offer.
— Neil Storr
★ ★ ★ ★ ★
After receiving a 50% premium increase from our current insurance, I decided to approach BIBA which put me in touch with Crowthorne. Jack called me back in a matter of seconds and gave me a quote for our home building insurance in less than 5 hours! I was pleasantly surprised ...
— Giovanni
★ ★ ★ ★ ★
I contacted Crowthorne after getting an extortionate quote from my Previous insurers, I spoke to Alfie who was fantastic and he got back to me within 30 minutes with a fantastic quote ....
— Darren Cooledge
Frequently Asked Questions

Got Questions? We've Got Answers

What is motor trade insurance and who needs it?

Motor trade insurance is a specialised insurance policy for anyone who earns income from working with vehicles, such as car dealers, mechanics, valeters, recovery operators or trade plate drivers. It gives you the flexibility to drive vehicles you don’t own, move stock, and carry out motor trade activities legally and confidently.

How is a motor trade policy different from a standard motor insurance policy?

Unlike standard private motor insurance, motor trade insurance is designed to cover vehicles in your custody or control for business purposes, including test drives, deliveries, and moving stock. Standard insurance generally does not cover trade use, so a motor trade policy is essential for motor business activity.

What types of cover can a motor trade policy include?

Motor trade insurance can be tailored to your business and may include:

  • Road Risk Insurance – to drive customer or stock vehicles.
  • Combined Motor Trade Insurance – adds premises, tools, stock, and liability covers.
  • Tools & Equipment Cover – protects tools on site or in transit.
  • Vehicles at Premises Insurance – for stock stored at business locations.
  • Liability Insurance – like public or employers’ liability.
When is a motor trade policy NOT suitable?

A motor trade policy is not suitable if you only use your own private vehicle for personal use or if your activity doesn’t involve trading or earning income from vehicles. If you’re not regularly moving or working with vehicles for business purposes, a standard motor policy may be more appropriate.

Request A Callback

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.
From Our Blog

Latest Updates

What Does Motor Trade Insurance Cover & What’s Excluded?
An auto repairman receiving the car keys from a couple in his workshop, who know what motor trade insurance covers.
Motor Insurance Database

What Does Motor Trade Insurance Cover & What’s Excluded?

Mar 10, 2026 10:00:00 AM 4 min read
How To Set Up A Car Dealership At Home
A woman behind the desk at a car dealership who has learnt how to set up a car dealership at home.
Motor Insurance Database

How To Set Up A Car Dealership At Home

Mar 3, 2026 10:00:00 AM 3 min read
5 Benefits Of Becoming A Part-Time Motor Trader
A young couple buying a new car at a car dealership with a man who has become a part-time motor trader.
Motor Insurance Database

5 Benefits Of Becoming A Part-Time Motor Trader

Feb 24, 2026 10:00:00 AM 4 min read
Feel secure with the right cover in place.

Insurance That Won’t Break Your Bank.

Request A Callback
BIBA

Member of the British Insurance Brokers’ Association (BIBA)

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.