We Understand
MOTOR TRADE Insurance
At Bunker Insurance, we understand the automotive industry and the pressures that come with it. That’s why we help you find cover that protects your business, your customers’ vehicles, and your livelihood, so you can stay focused on the job.
Running an automotive business isn’t just about fixing vehicles. It’s about managing risk across every part of your operation. From accidental damage to customer vehicles, fire or theft of tools, or liability claims from third parties, motor trade businesses face constant exposure. That’s why we take the time to understand how your business operates, then match you with insurance solutions that align with your risks, workflow, and growth plans.
Flexible MOTOR TRADE Insurance That Grows With You
No two workshops or automotive businesses are the same. Whether you’re a sole operator or managing a multi-site operation, your insurance should reflect how you actually work. At Bunker, we tailor cover to suit your business today and adjust it as you grow. Whether you’re expanding your workshop, hiring staff, or increasing the number of vehicles you handle, we make sure your cover evolves with you.
Why AUTOMOTIVE Businesses Trust Bunker Insurance
Expertise That Drives Results
We understand the motor trade sector, from mechanical repairs and diagnostics to panel beating, detailing and vehicle sales. Our team works with insurers who specialise in automotive risks, so you get relevant and practical cover options.
Specialist Service
Every stage of your insurance from quoting, claims to renewals, is all handled by dedicated specialists. No generic advice, no handballing. Just clear communication and support when you need it most.
Relationships First
We build long-term partnerships with our clients. That means being responsive, transparent, and proactive as your business changes. Many of our clients come to us after outgrowing one-size-fits-all insurance.
| Insurance Type | What It Covers |
|---|---|
| Property Damage & Workshop Cover | Protection for your workshop, buildings, tools, and equipment against risks like fire, theft, or accidental damage. |
| Vehicles in Your Care (Road Risk Cover) | Cover for customer vehicles while they’re being serviced, repaired, stored, or test-driven. |
| Public Liability | Protection if your business causes injury or property damage to a third party, including customers on-site. |
| Product & Completed Work Liability | Cover for claims arising from faulty workmanship or parts supplied after the job is completed. |
| Business Interruption | Financial protection if your business is unable to operate due to an insured event, helping cover lost income and ongoing expenses. |
| Theft & Damage to Tools | Cover for tools and diagnostic equipment, whether in your workshop or on the move for mobile operators. |
OUR Transport INSURANCE partners
WHO NEEDS
MOTOR TRADE INSURANCE
This cover is essential for businesses across the automotive industry, including:
- Mechanics and automotive repair workshops
- Panel beaters and smash repairers
- Auto electricians
- Car detailers and vehicle wrap businesses
- Mobile mechanics and service providers
- Car dealerships and used vehicle yards
- Tyre and brake specialists
If you work on, store, or handle customer vehicles, having the right insurance in place is critical.
FAQs About
MOTOR TRADES Insurance
Do I need Motor Trades Insurance if I’m a sole trader?
Yes. Even if you’re operating on your own, you’re still exposed to risks such as damaging a customer’s vehicle, theft of tools, or liability claims. Having the right cover in place helps protect your income and reputation.
What is “vehicles in your care, custody or control” cover?
This cover (often called road risk) protects customer vehicles while they are in your possession, whether they’re being repaired, stored, or test-driven. It’s one of the most important covers for automotive businesses.
Does Motor Trades Insurance cover my tools and equipment?
Yes, most policies can include cover for tools and equipment against risks like theft, fire, or accidental damage. This can apply both at your workshop and, in some cases, when you’re working off-site.
Can I customise my Motor Trades Insurance policy?
Absolutely. Every automotive business is different, so your insurance should reflect how you operate. Policies can be tailored to include the covers you need, whether that’s liability, property, road risk, or business interruption.
How much does Motor Trades Insurance cost?
The cost depends on factors like the size of your business, the type of work you do, the number of vehicles you handle, and the level of cover you choose. We compare options from multiple insurers to help find a solution that suits your needs and budget.