Motor Trade Combined

Competitive cover for mid-sized motor traders specialising in cars and small vans

Motor Trade Combined offers competitive, market leading cover for mid-sized motor traders specialising in cars and small vans.

Cover is available on a comprehensive road risks basis and includes; material damage, business interruption, employers’ public & products liability (including defective workmanship), goods in transit, money and assault plus the option to include; wrongful conversion and loss of MOT licence.

Optional add-ons available for business legal expenses and engineering inspection & insurance.

The latest version of the product literature is available to download below, which contains full details of the benefits, exclusions and limitations of the cover. If you need a version prior to those shown please contact your broker.


  • Depreciation in value of stolen new motor vehicles up to a limit of £1,000
  • New vehicle replacement cover
  • Temporary removal of vehicles for cleaning, renovation or repair - £25,000
  • Defective workmanship cover included
  • Accompanied demonstration cover
  • Cover for loan or hired vehicles to customers
  • Indemnity for movement of obstructing vehicles
  • Loss of use of customer vehicles up to £25,000
  • Discount to effect sale following damage to a limit of £5,000
  • Automatic windscreen cover included
  • Driver and passenger indemnity
  • Merchantable quality – standard limit £100,000
  • Corporate manslaughter defence costs to £500,000
  • Standard excess - £250


  • Dedicated commercial claims helpline 0330 024 2266 operated 24 hours a day, 365 days a year, by staff trained in managing commercial claims
  • Competitive premiums
  • Policies tailored to your needs
  • Option to pay by instalments (via direct debit)
  • Free business legal helpline