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Howden Motor Trade Insurance
Proud to work with Trade to Trade Group, remarketing solutions for independent motor dealers.
Competitive, comprehensive, quick
With a few decades of working with the motor trade under our tool belt, we know your insurance broker requirements.
By partnering with a motor specialist like us, you get coverage specced out without overpaying or – just as bad – overlooking stuff that could come back to bite you later.
With us, you won’t have to waste your time explaining your business. All our brokers and claims handlers know a GTO from a GTE.
Trusting us with your insurance leaves you free to focus on the jobs you actually enjoy. It’s ok, we get it! Securing you great cover at competitive prices is what we’re here for – and we’re good at it.
Why choose us?
- Talk decision-maker to decision-maker – we can accept and insure clients without needing to consult with insurers, speeding things up for you
- Fast - thanks to our in-house underwriting capabilities, we’ve been known to get insurance cover signed, sealed, and delivered within one hour of an initial enquiry
- Independent - we work independently with some of the biggest insurers, which means we can negotiate very competitive premiums and terms
- Adaptable - our policies and products move with the times. When the industry changes, so does our wording, keeping everything relevant and useful
- Tailored – our policies are bespoke to your business. We’ll never just hand you industry-standard ‘fluff’
Who do we work with?
We work with all types of motor trade business: from sole traders to franchise main dealers and national car supermarkets, and everything in between.
If your business is quite unusual or specialist, get in touch. Over the years, we’ve helped some pretty niche businesses secure coverage. We love a challenge.
We currently work with:
- Car dealerships
- Detailers
- Mechanics and MOT specialists
- Body shops
- Commercial vehicle repairers
- Breakdown and recovery services
- Vehicle transport and delivery firms
- Car valeting services
- Car supermarkets
- Windscreen and tyre fitters
- Classic car dealers and restorers
- Vehicle scrap and recycling centres
- Self-drive hire firms
Associations we work with
We collaborate with many motor associations on risk management trend analysis and insurance solutions. We offer exclusive schemes and preferential rates for members.
Our combined policies include:
Road risk cover
For vehicles owned by your business or for customers vehicles while in your care for motor trade purposes. Comes with options including: named drivers or any driver; social domestic & pleasure use; directors' personally owned vehicles; loan and hire cover; accompanied and unaccompanied demonstrations; and protected 'no claims bonus'.
Specialist vehicle insurance
Our road risk covers can be extended to include specialised insurance for specific types of vehicles, such as high-value cars, classic and vintage vehicles or commercial trucks.
Motor trade premises and contents insurance
You’ve worked hard to build up your stock, tools and equipment. Let’s make sure it’s protected – even in transit.
Motor trade public liability insurance
From slips and trips at your premises to accidental loss or damage to vehicles, safeguard yourself against claims by your customers and employees. This option also covers you against liabilities incurred through work done by you.
Garage liability insurance
Specifically designed for motor trade businesses operating from a garage or workshop. Protects you against third party claims, fake or justified.
Business interruption insurance
If unexpected events affect your ability to trade, you’re covered against a fall in income, and temporary increased costs of doing business, such as moving premises.
Employer's liability insurance
A legal requirement in the UK. Covers for claims made by employees who suffer work-related injuries, accidents, or illnesses.
Wrongful conversion cover / Trade-in vehicles insurance
If you’re a dealership or business involved in buying and selling second-hand and used vehicles, this one’s for you.
Cyber insurance
No business is immune to cyber-attack and, if it does happen, it can compromise everything from employee and customer data to internal systems. Our policies come with a number you can call and IT experts will arrive on the scene to fix the problem, to get you back up and running fast. Lawyers, PR/media support and ransom negotiators are all part of the package.
The policy also covers third party claims for damages as a result of the cyber-attack, and a range of direct costs you may need to fork out for.
Management liability insurance
Directors are protected from the costs of claims made against them personally as a result of an alleged or actual wrongful act made while in their capacity as a director or officer of the company. These acts could include breach of duty, negligence, defamation or even pollution.
If your business is not the right fit for Howden Motor Trade insurance, one of our specialist providers could still help:
Road Runner
The original motor trade insurance specialists. For the past 25 years +, Road Runner have been offering Road Risks, Liability and Premises cover for the independent motor trade. Aimed at the smaller end of the market, Road Runner specialises in servicing full and part-time traders, either those working from home or mobile.
DNA Insurance
No-nonsense motor trade insurance. The straight-talking specialists for difficult to place Road Risks, Premises and combined motor trade risks. If you’re struggling to find cover as a result of your past, for example if you’ve been convicted, gone into liquidation, had previous claims or even because of the high risks of your trade, DNA should be able to help.
Risk management support and advice
Risk management is a big part of what we do. It’s not just about understanding your risk management processes so that we can present you to insurers in the best light (although that’s an important part).
Mitigating risks gives you the best chance of reducing claims, ultimately keeping your premiums as low as possible.
Occupational road risk
We’ll help you to audit, manage and reduce your occupational road risks to keep you compliant and hopefully improve the running of your fleet. We also offer driving training in various forms such as e-learning, workshops and on-road coaching.
Health & safety
We have a variety of solutions to help you reduce your health and safety risks and ensure legal compliance. These include audits and reviews, industry accredited training courses, and an online health and safety management portal to track information in one place.
Business resilience
We offer a range of business continuity consultancy and disaster recovery services, and management tools to help you prepare for the unexpected and bounce back if something does happen.
Asset protection
Underinsurance can be a very real problem in motor trade. Services such as detailed site surveys (online, aerial or onsite) and accurate building valuations help make certain you’re sufficiently insured in the event of an incident.
Talk to us today if you’d like to know more about risk management solutions for the motor trade.