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Motor traders insurance – when your business is cars

If you’re in the vehicle game, there’s a lot of value for which you’re responsible. From the vehicle stock you intend on selling, to any customers’ vehicles you may have under your care, you’ll want to make sure it’s all properly covered.

Browse below to find out more about each of our motor traders business cover options. And remember, we are ready to help you create the perfect, customised solution to match your specific needs.

Vehicle stock

When you sell vehicles, your stock can easily be worth millions and more. With our…

When you sell vehicles, your stock can easily be worth millions and more. With our vehicle stock insurance, you can rest assured that you won’t lose the value of your stock if something unexpected occurs.

As standard, we provide cover against:

Fire, water, explosion and impact damage.
Weather damage from lightning, storm, wind, hail and snow.

Get optional cover against:

Accidental damage.
Subsidence and landslip.
Malicious damage.

Motor traders external insurance

This covers loss or damage to a vehicle where the incident happens away from your…

This covers loss or damage to a vehicle where the incident happens away from your business premises. For instance, if an employee test drives a customer’s vehicle.

As standard, we provide cover against:

Accident, storm, hail, flood damage to your vehicle stock or belonging to your customer when the vehicle is driven outside of your premises.
Damage or loss due to theft and hijack.

Get optional cover against:

Damage or loss when a vehicle is used for demonstration purposes.
Damage or loss when a vehicle is used by an employee for social, domestic and pleasure purposes.
Car hire or loss of use costs following damage or loss to a customer’s vehicle.

Motor traders internal insurance

This provides cover against accidental damage to a customer’s vehicle while…

This provides cover against accidental damage to a customer’s vehicle while you or an employee drives it on your business premises.

As standard, we provide cover against:

Accident damage to vehicles driven on your premises.

Get optional cover against:

Damage or loss when work is happening to the stock off premises.
Damage or loss caused from lifts and hoists.
Car hire or loss of use costs following damage or loss to a customer’s vehicle.

Why choose to insure your motor trader business with OUTsurance?

Tailored solutions

Specialist and specific insurance, matched to your unique motor trader business needs.

True value

A unique premium that is based on your motor trader business’ risk factors, so you’re not subsidising higher risk clients.

Low, flat excess

One fixed excess amount, even if you claim for multiple risks in one incident– no surprises that can threaten your cashflow.

OUTbonus (standard feature)

After three claim-free years, you get 10% of your total premiums paid back in cash to boost your bottom line.

Emergency assistance

24/7 Help@OUT office and roadside assistance, giving you peace of mind, always.

Business OUTsurance Brokers come to you

Depending on the complexity of your business, you may qualify for a dedicated Business OUTsurance Broker. Not only will this insurance professional help you navigate your unique needs to create your custom solution, they will become your on-going, single point of contact.

To connect with a Business OUTsurance Broker, you’ll need to start a quote.

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