Which roles count as 'other' in the motor trade?

Plenty of motor trade roles fall outside the main categories. Examples include accessory fitters (vehicle modifications, sound systems, body kits), vehicle assessors (crash inspections, assessments and valuations) and repossession agents (people who work as bailiffs or vehicle collectors).

What if I can't find my profession?

That's not a problem. When you fill in the form, describe what you do in the trade as clearly as you can, and the broker who contacts you can talk it through. You can also get in touch with us.

Can my business have a motor trade policy?

If you work with vehicles full time or part time, and your work involves repairing, maintaining or moving vehicles, a motor trade policy is designed for you.

Am I eligible for motor trade insurance?

Eligibility depends on the insurer. Many set a minimum age, often 25, and most will expect you to hold a full UK driving licence and be able to show that you genuinely work in the motor trade.

Motor trade

Motor trade insurance for other trades

Motor trade insurance for roles outside the usual categories, such as accessory fitters, vehicle assessors and repossession agents, plus who is eligible.

The motor trade is very varied, and motor trade insurance is used by a wide range of businesses. Not every business fits the main categories, such as mechanical repair or vehicle sales, but that doesn't mean it can't be covered.

There are two main types of motor trade policy: road risks and combined. When a motor trade business deals with a customer's vehicle, it takes that vehicle into its possession. Motor trade insurance provides cover for businesses that have a customer's vehicle in their care, custody or control, and policies can be shaped around the individual business.

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.

Who is it for?

Roles that often fall outside the main categories include:

accessory fitters
vehicle assessors
repossession agents

What are the different policy types?

When you take out motor trade insurance, you'll usually choose between two levels of cover.

Road risks

This often suits traders based at home rather than at a fixed premises. It covers the vehicles in your possession when they're on the road, for example moving a vehicle from your garage to a driveway, collecting or returning a customer's vehicle, or testing a vehicle after work is finished.

Road risks and premises cover

A combined policy is designed for traders who run their business from a premises rather than from home. It's also worth considering if you employ staff, keep stock or store customers' vehicles overnight.

Not sure which policy you need?

If you're unsure which type of cover suits 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 cover we can help with

If you're not in the motor trade, Kompare can also put you in touch with specialist brokers for other types of cover, including: