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Get The
Car Trader
Insurance You Need.

For part-time traders and full-time car dealers with premises, you need a bespoke motor trade policy tailored to your business.
By getting covered via our insurance broking experts, you'll get:

  • Instant access to the Motor Insurance Database (MID).

  • Customisable policies to ensure your thriving business has what it needs.

  • UK-based insurance experts offering an FCA-authorised advisory service.

Why choose I4MT?

As a trading style of One Sure Insurance - one of the fastest growing motor trade insurance brokers in the UK, we bring a wealth of experience in the motor trade sector to get you covered. We can bring you:

Anyone can become a car trader. Whether you prefer buying at auctions, scouring second-hand listings, or work in a number of motor trade professions.

As a car trader, you can be a part-time mechanic, a full-time trader or a full-fledged company dealing exclusively in importing and exporting exotic vehicles. Every business has its own set of unique complications and risks that insurance can cover.

Regardless of the kind of trader you are, you still need a car trader policy to conduct business. That’s where we come in. Our insurers’ car traders insurance policies are designed for all kinds of traders, from part-time home traders to those dealing from garages and showrooms.

 

If you are a motor trader looking to sell or buy cars for a commercial purpose, call us first for cover.

Naturally, we understand every single motor trade business. Whether you’re just starting out or are a veteran trader in the industry, we can find the right policy for you. And when you decide to branch out, we can advise you on the additional cover required to engage in any other motor trade business.

We deal only with the country’s top underwriters and insurance companies specialising in motor trade insurance. Because of our deal with multiple providers, we are confident of meeting your needs at the most competitive possible prices*

* Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Policies Specially Made For The Motor Trade

With us, you can expect top-notch insurance expertise and service, as we tailor your cover to the individual needs and requirements of your business. We'll take care of everything. Here is what you can expect from the I4MT experience:

  • A Trusted Panel of Underwriters

    We work with some of the biggest insurance names in the UK to find the motor trade policies you need.

  • Your Renewals Made Hassle-Free

    Every year, we quote you an up-to-date price and give you the chance to automatically renew your policy.

  • Make Changes When You Need To

    Make Changes When You Need To Don't keep your business on hold with us. You can raise your indemnity level and cover as and when needed.

What is car trader insurance?

Car traders insurance is a type of motor trade cover specifically made for car sellers and dealers, as their work falls under the motor trade umbrella.

Car traders can be motor sellers who work from home or car traders with their own premises.  Every business has its own set of unique complications and risks that insurance can cover. Our car traders insurance is designed for all kinds of traders, from part-time home traders to those dealing from garages and showrooms. Where you run your business and the type of trader you are can affect the coverage you need to opt for in your policy.

What motor trader cover does a car trader need?

To safeguard their business, car dealers will need to consider additional elements in a policy alongside standard road risk cover. The type of cover you need as a car seller generally depends on where you operate your business.

For part-time traders who work from home,  we recommend opting for more than the standard road-risk third-party only cover. It’ll be beneficial to opt for a comprehensive policy – which includes third-party, fire and theft – and additional options that vary depending on your insurer. 

If you work full-time and have your own premises, then a combined policy will be exactly what you need. With this comprehensive policy, you can choose types of cover to suit your business operations on-site. 

For both full and part-time traders, we highly recommend that you are insured with money cover, business interruption, equipment and tool cover. What’s more, you can even take on stock and trade plate cover to ensure your bread and butter – your motors – are covered while they remain parked where you work. We can also find policies safeguarding your stock while giving demonstrations and taking test drives. 

A car seller standing in front of a vehicle, with papers in hands, talking to a customer.
Two men admiring a blue car in a show room, opening the door.

Can anyone have car traders insurance?

Car traders insurance is purely aimed at motor traders who buy and sell vehicles for profit. While we can find policies for any type of motor trader, not everyone should have this type of policy.

For example, this type of insurance wouldn’t be suitable for other professions associated with commercial vehicles, such as van and hauliers. And while it would be possible to cover your personal car on this policy, it should be in conjunction with the vehicles operated for business purposes.

Additionally, not every age group can get covered. We can’t provide this type of cover to someone under 25, even if they are classed as a professional motor trader.

We Are Britains Cheapest Motor Trade Insurer Guaranteed*

We are so confident of our pricing that we challenge you to beat our guarantee!

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Frequently Asked Questions

Discover the answers to the most-asked questions on motor trade insurance.

Whether you can add your spouse or partner to your policy depends on the insurer you opt for. 

We may be able to find a policy that offers you the opportunity to do this, but you will need to let us know straight away during the application process that this is a priority for your cover.

We understand that some car dealers don’t necessarily trade only in secondhand cars. Some of you may even deal with exotic vehicles and high-valued collector’s items, such as those purchased at auction houses.

Typical car traders’ policies will never cover the level of protection necessary for such expensive investments. We can tweak existing policies or create new covers exclusively for those who deal with high-value vehicles. However, we may not be able to cover every vehicle type.

Just let us know during the application process about your high-valued and exotic vehicle purchases, and we can let you know if any policies aren’t suitable.

 

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