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Motor Trade Insurance
Comprehensive protection for your motor trade business.
About Motor Trade insurance in Ireland
Motor Trade insurance is a specialised insurance designed to suit businesses that work with vehicles. From car dealerships and mechanics to mobile technicians and full-service garages, Motor Trade insurance safeguards your business if the unexpected should happen.
Why Motor Trade insurance is important to your business
Whether you’re selling, servicing, repairing, or transporting vehicles, your business works with valuable assets and specialist equipment every day. You also deal closely with customers and the public. If something unexpected happens, like damage to a customer’s vehicle, a workplace accident, theft, or an incident on the road, it can create serious financial and operational problems.
Motor Trade insurance helps protect your business from these risks so you can keep trading with confidence.
How we support different businesses
Commercial combined insurance is designed to work for both smaller and larger organisations. To help guide you to the right level of detail, we have dedicated pages for each audience.
For SMEs
Smaller businesses often need flexible cover that protects them from day to day risks, including public liability, stock, equipment and interruptions to trading. Learn more about SME insurance to understand how commercial combined insurance can be adapted to suit local retailers, trades, hospitality, beauty, pet care and many more.
For large businesses
Larger businesses often need additional support with risk assessment, complex operations, multiple sites or higher policy limits. Our Large Business page outlines how we build programmes that match the scale and complexity of your organisation.
Motor Trade insurance cover
Road Risk cover
Cover for vehicles your business owns or controls, with options for named or any driver, SD&P use, directors’ vehicles and demo cover.
Premises Cover (all risks)
Protects your buildings, tools, machinery, stock and customer vehicles stored on site.
Employers’ liability
Covers compensation and legal costs if an employee is injured or becomes ill through their work.
Public/Products liability
Public liability insurance protects your business if customers or third parties suffer injury or property damage, including faulty workmanship.
Business interruption
Business interruption insurance covers lost income and extra costs if an insured event stops you trading.
Theft & Vandalism
Cover for theft or malicious damage to vehicles, stock, equipment or customer property.
Tools & Equipment protection
Cover for tools, machinery and diagnostic equipment if lost, damaged or stolen.
Customer vehicles in your care
Protects customer vehicles during repair, service or storage against damage, fire or theft.
Who needs Motor Trade insurance?
Motor trade insurance cover should be held by any business that works with vehicles they do not own. If your business involves handling customer vehicles, then you should have Motor Trade insurance.
- Vehicle sales and car traders
- Mechanics
- Service and repair businesses
- Valeting and detailing services
- Vehicle restoration and modification services
- Tyre fitters
Common FAQs
You may need a large business approach if you operate from several locations, have significant property or fleet, employ large numbers of staff, rely on critical supply chains or face complex contractual and regulatory obligations. If decisions in your business carry wide reaching impact, a bespoke programme is usually appropriate.
Common elements include property damage, business interruption, public and products liability, employers’ liability, directors’ and officers’ insurance, professional indemnity, fleet, cyber, marine and project based covers. The exact blend depends on your operations and risk appetite.
We collaborate with your risk, finance, procurement and operational teams to understand your needs, gather information and design an appropriate programme. We also provide clear documentation and points of contact so everyone knows how to engage with the insurance in practice.
Where needed, we can work with wider Howden teams and international partners to support cross border risks, international placements or multinational programmes, subject to local regulations and market conditions.
You will usually need details about your business activities, turnover, number of employees, claims history, asset values and any contractual insurance requirements. Having this ready helps us give clearer advice faster.
This depends on how you trade, whether you employ staff, the value of your assets, your turnover and your reliance on premises, technology or suppliers. We help businesses assess these risks and translate them into appropriate cover. Fill in our quote form and one of our expert advisors will provide you a free of cost consultation.