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 to large motor trade businesses with the option of flexible cover to meet the needs of Motor Traders that require bespoke and enhanced covers.

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.

Additional optional add-ons for business legal expenses as well as engineering inspection and 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.

To view the Target Market Statements and Product approval Process, please click here

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products 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 £250,000
  • Corporate manslaughter defence costs to £500,000
  • Standard excess - £350


  • Dedicated commercial claims helpline 0330 024 2246 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