Motor Trade Insurance

Insurance made simple

For the business under the bonnet.

Motor Trade insurance is a tailored business policy that protects auto workshops, mobile mechanics, and technicians against the unique risks they face on the job. It typically bundles public liability, tool and equipment cover, driving risk (for test-driving customer vehicles), and professional indemnity into one convenient package. Often offered as a Motor Trade Pack, it ensures that whether you’re running a full-service garage or working on the go, your business has the coverage to stay on track—even when the unexpected hits.

Because “oops” isn’t a business model

Motor Trade Insurance

Property Damage

The Property section of a motor trade policy provides cover for physical assets at your business premises. This typically includes:

Buildings and contents: Protection against fire, storm and accidental damage
Stock and customer vehicles: Cover for loss or damage while on-site
Additional benefits: May include debris removal, fire brigade charges, and temporary removal of property

Business Interruption

The Business Interruption section of a motor trade policy covers loss of income when your operations are disrupted due to an insured event – like fire, storm, or accidental damage. It typically reimburses lost profits, ongoing expenses (e.g. wages, rent), and may include additional costs to minimise downtime, such as temporary relocation or equipment hire. This ensures your business stays financially stable while you get back on your feet.

General Property (Tools)

The General Property section under a motor trade policy covers portable business assets – like tools, diagnostic equipment, and mobile devices – when they’re away from your main premises. It typically includes protection against theft, accidental damage, and loss anywhere in Australia (and sometimes overseas), whether items are in transit, on-site, or in a vehicle. This section is especially useful for mobile mechanics or businesses operating across multiple locations.

Public & Products Liability

The Public and Products Liability section of a motor trade policy covers your legal liability for personal injury or property damage caused to third parties – either through your business operations (public liability) or from products you’ve sold or serviced (products liability). It typically includes legal defence costs and compensation payouts, helping protect your business from claims arising on-site, during test drives, or from faulty workmanship or parts.