Motor Trade Insurance | BBi Ireland
Whether you’re buying, selling, repairing, or servicing vehicles, at BBi Ireland we can arrange a tailored motor trade insurance package to meet the unique needs of businesses like yours, providing essential cover for road risks, premises, tools, and stock. From sole traders to larger businesses, we can help you get protected against potential liabilities and unexpected events.
Motor Trade Insurance | BBi Ireland
Whether you’re buying, selling, repairing, or servicing vehicles, at BBi Ireland we can arrange a tailored motor trade insurance package to meet the unique needs of businesses like yours, providing essential cover for road risks, premises, tools, and stock. From sole traders to larger businesses, we can help you get protected against potential liabilities and unexpected events.
What is Motor Trade Insurance?
Motor Trade Insurance, or Trade Car Insurance as it’s also known, can protects people who buy and sell vehicles for a living. Motor Trade Insurance differs from regular business insurance as it can offer cover for multiple vehicles, including customers’ cars and road risk insurance, as well as combining cover for premises, tools, and stock.
Motor Trade Insurance, not to be confused with Motor Insurance, is tailored for motor trade businesses and, therefore, includes cover options that are only relevant to business operations. Regular Motor Insurance covers a single vehicle for personal or business use, without the flexibility to cover multiple or customer vehicles.
Why Choose BBi as a Broker Partner
Our Heritage
Dedicated Account Manager
We have specific service level agreements with insurer partners, ensuring our clients get a great service.
In-house Claims Team
BBi Ireland has an experienced team of professionals looking after your needs when you need us the most.
35+ years’ experience
With up-to-date knowledge of the latest legislation and health and safety issues faced by companies across Ireland.
Flexible Cover
Our cover and payment methods are flexible so you can choose the option that suits your business needs.
One Stop Shop
We can arrange cover for a wide range of business and personal insurance requirements.
What Can Motor Trade Insurance Cover?
Motor Trade Combined Insurance, also known as Traders’ Combined Insurance, is a specialist form of Motor Trade Cover that covers multiple essential risks on a single policy. A flexible policy, Motor Trade Combined Insurance through BBi Ireland can cover risks such as:
Traders Combined Insurance
A comprehensive package, combining multiple types of cover, such as:
- Road Risk
- Business Premises
- Tools and equipment
- Public and Employers’ Liability
- Stock of Vehicles
- Business Interruption
Road Risk Insurance
Covers vehicles being driven or moved on the road for business purposes. It includes Third-Party Only: Covers third-party damage and injury. Third-Party, Fire and Theft: Adds cover for fire and theft. Comprehensive: Covers third-party damage, fire, theft, and your own vehicle’s damage.
We Can Also Arrange Sector-Specific Covers Including...
Motor Trade Combined Insurance through BBi Ireland is a flexible policy that can protect businesses such as:
- Traders working from premises
- Traders working from home
- Full-time motor traders
- Part-time motor traders
- Car dealerships
- Service and repair garages
- New and used car dealers
- MOT testing stations
- Body shops
- Breakdown and recovery operators
- Auto electricians
- Classic car restorers
- Exhaust and tyre fitters
Get protected today
Discuss your motor trade needs with our specialist team. Email us, give us a call, or visit us at our Cavan office for complimentary expert consultation.
Frequently Asked Questions
It’s important to get the right Motor Trade Insurance for your business. To help you do that, here are our frequently asked questions about Motor Trade Insurance. If you’d like some independent advice, please call us on +353 49 433 1038, and the team will be happy to help.
Motor Trade Insurance is a specialist policy designed to protect businesses involved in the buying, selling, servicing, or repair of vehicles. It provides coverage for the unique risks motor traders face daily. While it’s not mandatory unless you’re driving vehicles on the road (which requires Road Risk Insurance) or have employees (requiring Employers’ Liability Insurance), it’s highly recommended for those in the motor trade to safeguard against a wide array of potential risks, from vehicle damage to public liability.
Motor Trade Insurance is suitable for a variety of businesses within the automotive industry, including car dealerships, body shops, repair garages, MOT testing stations, exhaust and tyre fitters, classic car restorers, and more. Whether you’re a small operation working from home or a larger business with premises, we can offer tailored coverage for your needs.
Our Motor Trade Insurance policies allow flexibility in adding drivers. You can add specific individuals to your policy or choose an “any driver” option, which permits anyone connected with the business to drive vehicles related to the business. Keep in mind that adding more drivers, particularly younger or higher-risk individuals, may increase your premiums.
Road Risk Insurance only covers vehicles while they are on the road. In contrast, Trader’s Combined Motor Trade Insurance offers broader protection, covering not just vehicles but also premises, stock, material damage, public liability, and more. This is ideal for businesses that need comprehensive coverage for their operations.
The cost of Motor Trade Insurance varies based on factors such as the size of your business, the types of vehicles you deal with, your claims history, and whether you have employees or a physical premises. To get an accurate and personalised quote, contact our team to discuss your needs.
Motor Trade Insurance is specifically for individuals and businesses actively engaged in the motor trade industry, whether full-time or part-time. You must be able to demonstrate that you buy, sell, repair, or handle vehicles professionally to qualify.
This varies by insurer, but some may accept businesses that buy and sell just one or two vehicles per month. The key requirement is that you can prove your business is involved in vehicle trade or services like repair, restoration, or transport.
Getting a quote is simple! Contact our team to discuss your business needs. We will review your requirements and provide a tailored Motor Trade Insurance quote.