Motor Trade Insurance

Vehicle Mechanic, Servicing, Tuning, Repairs & Sales Insurance

Specialist insurance for motor trade businesses that combine servicing, diagnostics, tuning, repairs, vehicle stock and sales, where road risks, customer vehicles, tools, liability and demonstrations all need to be declared clearly.

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Repair, tuning and sales Customer and stock vehicles Road risks and liability

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Overview Key Sections Example Claims Related Pages FAQs

Working with insurer markets

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  • CHUBB
  • QBE insurance logo
  • RSA insurance logo
  • AXA

Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.

Home / Motor Trade Insurance / Vehicle Mechanic, Servicing, Tuning, Repairs & Sales Insurance

Insurance for Repair, Tuning and Vehicle Sales Businesses

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Vehicle mechanic, servicing, tuning, repairs and sales insurance is for motor trade businesses whose work spans garage repair activity and vehicle trading. It can suit independent garages selling vehicles, tuning workshops with stock, service centres offering sales, and businesses that prepare, modify, repair and demonstrate vehicles.

The right policy depends on the split between repair and sales, whether vehicles are road tested or demonstrated, the highest customer and stock vehicle values, what tuning or modification work is carried out, and whether the business works from premises, a yard, a showroom or mobile setup.

Vehicle mechanic servicing tuning repairs and sales insurance

What Can This Insurance Cover?

Policies can be built around the repair workshop, customer vehicles, sales stock, demonstration use, tools, premises and liability exposure.

Road Risks and Vehicle Stock

Cover for declared drivers using customer, stock or business vehicles for motor trade purposes, including road tests, collection, delivery and demonstrations where accepted.

  • Customer vehicles in custody or control
  • Stock vehicles and demonstration use
  • Road testing after repair or tuning

Tools, Premises and Workshop Equipment

Protection for premises, ramps, diagnostics, tuning equipment, hand tools, laptops, parts, contents and business interruption after insured damage.

  • Diagnostic, tuning and workshop equipment
  • Tools, parts and contents
  • Buildings, stock and interruption cover

Liability and Workmanship

Liability cover can respond to injury, property damage, defective repair allegations, tuning disputes, product liability and staff injury claims.

  • Public and products liability
  • Repair, tuning and sales liability review
  • Employers' liability where staff are employed

What Insurers Usually Want to Know

Mixed repair and sales businesses need a clear presentation so insurers can separate customer vehicles, vehicle stock, tuning activity and public road use.

Trade Activities

  • Turnover split between servicing, repairs, tuning, diagnostics, modifications, vehicle sales and parts sales.
  • Whether tuning includes remapping, performance upgrades, exhausts, suspension, braking, engine work or cosmetic modifications.
  • Whether vehicles are road tested, demonstrated, collected, delivered, prepared for sale or stored overnight.
  • Whether the business works on performance vehicles, EVs, hybrids, imports, commercial vehicles or modified vehicles.

Values and Controls

  • Highest customer vehicle value, highest stock vehicle value and total vehicles on site.
  • Driver details, trade plates, demonstration controls, test drive procedures and road risks requirements.
  • Tool, diagnostic, tuning equipment, parts and stock values.
  • Premises security, CCTV, alarms, key control, fire controls, claims history and staff training.

Example Claims

Repair and sales claims can involve customer vehicles, stock vehicles, road use, tuning disputes and workshop assets at the same time.

Tuning dispute

A customer alleges a remap, upgrade or modification caused performance issues, engine damage or warranty complications.

Test drive or demonstration accident

A customer or employee damages a vehicle during a road test, test drive or collection and delivery journey.

Vehicle stock theft

Stock vehicles, keys, tools or diagnostic equipment are stolen from the premises, yard or workshop.

Vehicle Mechanic, Servicing, Tuning, Repairs & Sales Insurance FAQs

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Can one policy cover repair work and vehicle sales?

Potentially, subject to underwriting. The policy needs to reflect the split between servicing, repairs, tuning, vehicle stock, demonstrations, road testing and sales.

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Does tuning need to be declared separately?

Yes. Tuning, remapping, performance upgrades and modifications can change insurer appetite because they affect road testing, workmanship, product liability and vehicle values.

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Can stock vehicles be covered?

Vehicle stock can often be reviewed, but insurers need values, storage, security, key control, demonstration use, driver details and whether vehicles are financed or held on behalf of others.

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What information helps insurers quote?

Insurers usually need turnover split, customer and stock vehicle values, tuning details, driver details, road risks needs, tool values, premises security, staff numbers and claims history.

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