Motor Trade Liability Insurance

Accidents can happen at any time and third parties may hold you responsible. That’s why our public liability insurance is designed to protect you from claims – from slips and trips at your premises to accidental loss or damage to vehicles.

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What is motor trade liability insurance?

Public liability insurance for the motor trade is important to implement into your business. It provides you with protection from claims made against you by workers and the general public, and includes any liability incurred from maintenance and repairs made by you.

No matter the nature of your business, whether it’s an MOT garage or a car repair workshop, our liability insurance will protect you against third-party claims and help you to continue running your premises.

Do I need motor trade liability insurance?

It doesn’t matter if you’re based at home, at a garage or on the road – there’s always a risk that someone will make a claim against you due to your work in the motor trade. At Road Runner, we don’t want to let that happen.

Our car dealer liability insurance not only helps make sure independent motor traders like you have the funds to defend or settle a claim, but it also means you’ll have someone to help you when it comes to dealing with the claim. This leaves you with more time to focus on what’s most important to you: your business.

What does motor trade public liability cover?

Employers’ Liability insurance – compulsory in virtually all cases if you have employees
Public Liability
Products Liability
Defence costs associated with claims made against you
The option to include cover for portable hand tools

Cover options:

Public Liability only
Public and Products Liability
Public, Products and Employers’ Liability
Portable hand tools can be covered at business premises only, or including cover away from business premises

Employers’ Liability:		£10M
Public Liability:		£1M, £2M or £5M
Products Liability:		£1M, £2M or £5M
Portable Hand Tools:		£1,500; £2,500 or £5,000

Read our Liability Summary of Cover and Liability Policy Wording for details of the cover available and exclusions that apply.

ELTO

The Employers’ Liability Tracing Office (ELTO) is an insurance industry initiative to centrally record basic details of all EL insurance policies. Most insurers, including us, are members. You can read more about ELTO on their website – www.elto.org.uk

Other types of coverage we offer

We’ve been providing independent and commercial motor trade insurance for over 25 years. We’ve established a whole host of knowledge and experience so we can provide the best service to our customers.

We understand all elements of the motor trade, and public liability insurance is no exception. Every motor business is unique, which is why we tailor our cover options to best suit your requirements.

We’d love to learn more about your business, so we can build a flexible and competitive policy that’s right for you. Get in touch with our friendly team today to discuss your options.

Motor trade liability insurance FAQs

If you have any questions about our public liability insurance offering, we may just have the answers for you – take a look at our frequently asked questions below. If you can’t find the answer you’re looking for, please don’t hesitate to contact us.

How do I make a motor trade liability insurance claim?

If you have any questions about our public liability insurance offering, we may just have the answers for you – take a look at our frequently asked questions below. If you can’t find the answer you’re looking for, please don’t hesitate to contact us.

Can your public liability insurance cover part-time motor trades?

Yes – if you work part-time for a motor trade business, rather than a hobby, it’s likely that we can provide you with motor trade public liability insurance. Look at our guide which covers part-time motor trade insurance.

How much does motor trade public liability insurance cost?

We tailor our insurance policies depending on your business and its requirements, so you don’t have to pay for pointless extras. Simply get in touch with the team today or request a quote to receive accurate pricing for your policy.

Can I pay for my insurance in instalments?

Of course – we offer a range of instalment options which you can benefit from. Read our guide on how to pay to find out more information.

Other types of coverage we offer

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.