Vehicle Stock
Protection for owned and financed vehicle stock at the premises and other declared locations.
Specialist dealership protection
Motor Dealerships Insurance
Comprehensive insurance for new and used vehicle dealerships, protecting vehicle stock, demonstration drives, premises and the people who keep your operation moving.
Insurance Built Around the Dealership Floor
Motor dealerships manage high-value vehicle stock, frequent customer movement, test drives, finance processes and busy sales and service environments. One theft, collision, fire or liability event can create a major operational and financial setback.
Our specialist approach brings the key dealership exposures into one tailored solution, from showroom assets and vehicles in the open to demonstration risk and business interruption—subject to policy terms, limits and conditions.
Built around your operation
What Can Be Covered
Demonstration Drives
Cover for insured vehicles used by prospective buyers on accompanied or approved test drives.
Buildings & Contents
Protection for showrooms, offices, signage, equipment and other declared business assets.
Customer Vehicles
Cover for customer vehicles in your care, custody or control where selected.
Public Liability
Protection against qualifying third-party injury or property damage claims at your operation.
Business Interruption
Support for lost income and fixed costs following an insured event that disrupts trading.
Risks Motor Dealerships Face
Dealership risks extend well beyond the showroom building and require a solution that understands vehicle custody and road use.
Theft or hijacking of vehicle stock
Accidents during demonstration or test drives
Fire, hail or storm damage to vehicles in the open
Damage while moving vehicles between branches or locations
Third-party injury on the showroom floor or forecourt
Loss of revenue after damage prevents normal trading
Why Dealerships Need Specialist Insurance
Vehicle stock values can change daily, and the same car may be displayed, moved, demonstrated or transported. Specialist dealership insurance helps align the basis of cover, road risks and security requirements with how your stock is actually held and used.
Why Choose MotorTradeRisk Specialists
Specialist motor trade underwriting
Flexible vehicle stock declarations
Demonstration and road-risk options
Solutions for independent and franchise dealers
Multi-branch cover structures
Claims and risk-management support
Get a Motor Dealership Insurance Quote
Protect your vehicle stock, premises and sales operation with cover designed around the realities of the motor retail trade.
Request a Quotation