Motor Trade

Professional Insurance Packages for All Types of Motor Trades.

Welcome to Motor Trade Insurance from AIC

Specialising in covering all trades within the Motor trade industry – Insurance for MOT Testing Centres, Mechanics & Repairs, Bodywork & Spraying, Coachworks, Classic Vehicle Restoration and Repairs, Vehicle Sales, Tyre Fitting & Exhausts, Recovery, and Valeting… to name just a few.

Please complete our request a call back and one of our dedicated team with expertise in your area will call you to arrange a quotation. Alternatively, you can call us on 01442 242 400 to speak now, we are always happy to help.

Motor Trade Solutions

Mechanical Servicing & Repairs

MOT Testing Centres

Bodywork & Spraying


Specialist Vehicle Collectors and Restorers

Vehicle Sales – New and used vehicles

Tyre Fitting & Exhausts – selling or fitting parts and accessories

Breakdown and Recovery Firms


What does this policy cover?

Road Risk

All covers available from Third Party to Fully Comprehensive and covering own vehicles and trade plates as standard.

Stock Vehicles

Stock vehicles can be added as a bolt-on to road risks cover or as part of a motor trade combined package.

Hand Tools

Covers hand tools no matter where they are kept.

Plant Machinery

Cover for fixed plant machinery.

Demonstration CoverC

Whether accompanied or unaccompanied, we can offer cover with roadrisks or under the combined package.


This cover extends your roadrisks to insure your customers whilst you are in possession of their vehicle.

Rather than adding drivers temporarily, this cover lets you insure temporary business drivers

Rather than adding drivers temporarily, this cover lets you insure temporary business drivers.

Public Liability

Covers against claims made by the public. Limits from £1, £2 or £5 Million and more if required.

Employers Liability

This cover is compulsory by law if you employ people and will cover claims made by your staff. Standard cover is £10 Million.

Sales & Service Indemnity

Liability cover for the vehicles you have worked on and/or sold.

Loss of MOT Licence

As it states, the policy will pay to help towards costs to re-instate your licence if it is revoked.


All types of stock can be covered.

Business Interuption

Covering your business in the event you are unable to trade for what-ever reason such as a fire or flood, the policy will pay for loss of income or profits.

Engineering Inspection

In order to comply with Health & Safety Regulations, which keeps your insurance policy valid, your plant & equipment must be checked usually annually.
How can you help to keep premiums down?
  • To see the incidents helps insurers defend and fight your corner.

  • The more physical security the less the premium – simple.

  • Insurers want to know you take this seriously when inviting the public through the doors of your premises – we have a helpful partnership formed for you with who are health and safety specialists, they offer a free visitation service which then highlights any shortfalls, and they help you rectify the problems whatever they may be.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

Accreditations and Awards
Frequently Asked Questions
  • One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.

    Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.

    There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.

  • There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.

    Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.

  • Some parts of cover are legal requirements, such as the Liability cover section, but most of some insurance packages are just good business sense.

    We at AIC can normally offer various cover packages, starting with just the bare bone legal requirements and then build up from there. But it’s often just as cheap to buy ‘off the shelf’ packages of cover that give a wide scope of protection for smaller businesses, than trying to isolate just what is the legal requirement. As always its best to talk to one of our friendly staff, so we can talk you through the options.

  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA