Motor Trade Insurance
Broad protection for automotive businesses that buy, sell, repair, move, store, service, fit, or handle customer vehicles.
Motor trade businesses carry risks that standard commercial insurance often does not handle properly. Customer vehicles may be driven, stored, repaired, demonstrated, transported, or left overnight under your care, while your own premises, equipment, stock, and staff remain exposed to daily operational risk.
Our Motor Trade Insurance brings these moving parts into one practical structure, helping automotive businesses protect their vehicles, liabilities, assets, income, and reputation.
Who This Cover Is For
A flexible foundation for businesses across the automotive trade.
Core Cover Ideas
Vehicles in Your Care
Cover for customer vehicles while stored, driven, tested, repaired, moved, or handled by the business.
Public Liability
Protection against third-party injury or property damage linked to your motor trade operations.
Defective Workmanship
Specialist liability support where repairs, parts, servicing, or fitment work leads to a claim.
Premises & Assets
Cover for buildings, contents, tools, equipment, signage, office contents, and operational assets.
Theft & Hijacking
Protection for insured vehicles, stock, equipment, and selected customer vehicle exposures.
Fire & Accidental Damage
Protection for major physical loss events affecting vehicles, premises, tools, or business assets.
Business Interruption
Optional cover for loss of income after an insured event disrupts normal trading.
Transit & Movement
Cover options for vehicles collected, delivered, transported, recovered, or moved between sites.
Build the Policy Around Your Operation
A motor trade policy should match what the business actually does, not just its industry label.
Trading Profile
Dealership, workshop, recovery, fitment, mobile service, transport, or mixed operation.
Vehicle Exposure
Own stock, customer vehicles, test drives, overnight storage, demonstration use, and road risks.
Cover Structure
Liability, assets, stock, business interruption, transit, extensions, and excess strategy.
Why Motor Trade Businesses Need Specialist Cover
General commercial policies are usually built around static business assets. Motor trade operations are different because the key risk is often mobile, high-value, customer-owned, and handled by staff during live trading conditions.
Optional Extensions
Common Claims Scenarios
A customer vehicle is damaged while being road tested after a repair.
A dealership vehicle is stolen from the premises after hours.
A vehicle is damaged during loading, collection, or delivery.
Incorrect fitment or repairs result in damage to a client vehicle.
A customer is injured after slipping in a reception or workshop area.
Fire damages business premises, tools, customer vehicles, and stock.
Why Choose MotorTradeCovered
We help South African motor trade businesses structure cover around how they actually operate. That means understanding the difference between a dealership, workshop, recovery operator, mobile technician, and mixed motor trade business before recommending a policy structure.
Trade-Specific Advice
Cover guidance based on real automotive operating risks.
Flexible Structures
Policy sections can be shaped around vehicles, premises, liability, and income.
Claims Support
Practical support when customer vehicles, stock, or business assets are affected.
Growth Ready
Suitable for owner-operated businesses, branches, fleets, and expanding trade groups.
Frequently Asked Questions
What does Motor Trade Insurance cover?
It can cover customer vehicles, own vehicles, stock, public liability, premises, tools, equipment, theft, fire, business interruption, and specialist motor trade risks.
Can one policy cover multiple motor trade activities?
Yes. A policy can be structured for mixed operations such as sales, repairs, fitment, vehicle movement, and storage.
Are customer vehicles covered?
Yes, cover can include vehicles under your care, custody, or control, subject to the selected policy sections and underwriting terms.
Is defective workmanship included?
It can be added where the business repairs, services, fits, or modifies vehicles and needs protection against related claims.
Can start-up motor trade businesses apply?
Yes. Cover can be considered for new and established businesses, with underwriting based on activities, drivers, premises, and risk controls.
Can the policy grow with my business?
Yes. Cover can be reviewed as you add vehicles, staff, locations, services, or higher stock values.
Get a Motor Trade Insurance Quote
Protect your vehicles, customer property, premises, equipment, liability exposure, and business continuity with specialist motor trade cover.
MotorTradeCovered.co.za