Home / Motor Trade Insurance
LONDON ROOTS. PERSONAL SERVICE.
For the business behind the vehicles.
Motor trade insurance for businesses buying, selling, servicing or repairing vehicles. Tell us how you trade, who drives and where vehicles are kept. We’ll explore road risk, combined and related cover around your requirements.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
Driving vehicles for the trade and protecting the business premises are different risks. Road risk cover concerns agreed vehicle use; a combined policy can bring together selected vehicle, premises and liability sections. Check stock, customers’ vehicles, tools and equipment separately.
Vehicle sales
Service & repair
Body shops
Full or part-time
A motor trade policy is not unrestricted cover to drive any vehicle. Activities, drivers, vehicle types and values must fit the agreed terms.
Tell us about your requirements. Available cover depends on the insurer and your circumstances.
Explore your requirements
Start with your stock, premises and the people who need to drive.
We have a dedicated guide for car dealers, including businesses trading from home, operating part-time or using a forecourt. It covers the information to prepare about road risk, vehicle limits, storage, collection and customer test drives.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR COVER CONSIDERATIONS
Explore the routes below, then tell us about your requirements.
01 / EXPLORE
Driving vehicles in connection with the declared trade.
Business activities and permitted use
Stock and customers’ vehicles
Named or agreed drivers
Vehicle types and values
Collection, delivery and testing
Explore the relevant product page for more details.
02 / EXPLORE
Consider the business beyond journeys on the road.
Premises and business contents
Vehicle stock and custody
Public and employers’ liability
Interruption following insured events
Check whether road risk cover is included
Explore the relevant product page for more details.
03 / EXPLORE
Explain the work, equipment and vehicles involved.
Garages and mechanical repair
Body repair and refinishing
Recovery and transportation
Tools, plant and specialist equipment
Activities referred for acceptance
Explore the relevant product page for more details.
This is a guide to the areas worth considering. Your quotation and policy documents confirm the actual cover, limits and exclusions.
We’ll explain the available cover and excesses before you decide.
02 / YOUR POLICY DETAILS
Explore the points to discuss when arranging motor trade insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
List each activity and its approximate share of the business. Include occasional work, vehicle sales and collection or delivery.
02
DETAIL
Tell us typical and maximum values, vehicle types and how many are held at one location. Personal vehicles need to be declared separately.
03
DETAIL
Explain every trading or storage location, security and whether you work from home, a unit or mobile premises.
04
DETAIL
Tell us about proprietors, employees, subcontractors and anyone needing road cover. Job roles and driving permissions are separate questions.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Check how vehicles belonging to customers are protected while in your care, on the premises and during agreed movements.
02 / 06
Discuss the buildings, stock, plant and equipment at the locations you occupy. Property sums insured and security conditions need to reflect the business.
03 / 06
Discuss separate cover for liability arising from your business activities. It does not replace the motor insurance needed for use of the vehicle.
04 / 06
Discuss the people working for the business, their roles and employment arrangements so the applicable liability requirements can be checked.
05 / 06
Tell us the repairs, products and services you provide. Liability arising from work and the cost of correcting the work itself can be treated differently.
06 / 06
Ask about help with insured financial loss following a covered interruption. Triggers, the indemnity period and the basis of cover matter.
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
01
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Complete the required information and arrangements. Check your documents and the confirmed start date.
Activities and turnover · Trading and storage locations · Own and customer vehicle limits · Drivers · Employees · Security · Claims · Motor trade or private car no claims bonus · Existing schedule
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Answers to common questions about motor trade insurance, drivers and arranging cover.
Start with what you do and where you do it. Road risk insurance addresses agreed vehicle use, such as collection, delivery and testing. If you also have a workshop, forecourt, tools or stock at premises, a combined motor trade policy may offer relevant property and liability sections. Neither name guarantees every activity is covered: compare the selected sections, vehicle limits, excesses and exclusions.
Yes. Tell us whether you trade full-time or part-time, how long you have traded and whether you work from home or business premises. Explain your other occupation, the number and type of vehicles you handle, and who needs to drive. Insurers may ask for evidence of genuine trading; acceptance and terms depend on your circumstances.
No. The agreed drivers, vehicle types, maximum values and permitted uses matter. Tell us about personally owned vehicles, private use and customer demonstration drives before arranging cover. A vehicle being in your possession does not automatically mean every driver or journey is insured. Check the certificate, schedule and policy wording for the actual permissions.
Check this specifically when arranging the policy. Cover for a customer’s vehicle while driven can differ from cover while it is stored, repaired or awaiting collection. Tell us the maximum value of any one vehicle, the total value you hold and where vehicles stay overnight. Road risk alone should not be assumed to cover every vehicle at your premises or every cause of loss.
Tell us the activities and people involved. We can discuss the available sections or separate policies and the appropriate requirements.
Tell us about the work you carry out at customers’ premises, at the roadside and at any workshop. Explain whether you move or test customers’ vehicles, carry tools or equipment, and undertake specialist repairs or recovery. We’ll discuss the relevant vehicle and business risks; insurer acceptance and available sections depend on the declared activities.
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Contact us before changing vehicles, drivers, activities, locations or other insured details. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
LET’S TALK ABOUT YOUR COVER
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ
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