Why combine my policies?

Having everything under one policy can make your cover easier to manage, with one renewal date and one set of documents. It also lets you shape the policy around the risks your business faces day to day.

What is a combined insurance policy?

Combined insurance is a type of cover for people in the motor trade who want to cover several parts of their business without taking out separate policies. It's useful when you have a premises and want to protect it under the same policy as the vehicles you own and work on.

Do I need a combined motor trade policy?

If you run a motor trade business, full time or part time, you need insurance, but a combined policy is optional. If you don't have a premises, a road risks policy may be enough.

Motor trade

Combined insurance

Combined motor trade insurance explained: what you can combine on one policy, who it suits and when a road risks only policy may be enough.

Do you need a combined policy for your motor trade business? It depends on the work you do. Combined policies are designed for traders who work from a dedicated premises rather than from home.

If you're in the motor trade and have a premises, it's important to have the right cover for it. If your business also involves driving customers' vehicles, you'll need road risks cover too, and that can be included within a combined policy. Combined cover isn't necessary for every motor trade business, but it's often a sensible option for traders with a premises and staff.

Kompare helps traders find specialist motor trade cover. You fill in a short form and a specialist FCA-authorised broker from our panel contacts you to talk through your needs and quotes. You can read more on our motor trade insurance page or see how we work.

What can I combine on my policy?

When you take out a combined policy, you'll be asked which types of cover you'd like to include. Common options are below.

Cover for your vehicles

This brings in road risks cover for the vehicles you drive as part of your business. Like car insurance, it usually comes in three levels: third party only; third party, fire and theft; and fully comprehensive.

Cover for your premises

This can cover your premises against risks such as structural damage and vandalism. Check the policy wording for exactly what is included.

Public liability

When you work with the public, there's always a risk that someone makes a claim against you for injury or damage. Public liability cover can help if a claim is made.

Employers' liability

If you employ staff, employers' liability cover is generally a legal requirement. It covers claims from employees who are injured or become ill because of their work. You can read more on GOV.UK.

Not sure what you need?

If you're unsure what to include for your business, get in touch and we can help with any questions. The broker who contacts you can also explain the options before you decide.

Other motor trade roles

Many roles in the motor trade overlap, whether you sell, repair, valet, deliver or recover vehicles. Mention everything you do when you fill in the form so the cover reflects your business. Our motor trade insurance page covers the full range of trades. If you run a business outside the motor trade, our commercial combined insurance page may be more relevant.