NFU Mutual


Motor Trade Insurance

Motor trade businesses can face various risks – from fire, theft and flood, to loss of income and liability for injury to customers or employees.

There may also be other risks specific to your business or sector, risks your local NFU Mutual office will help you identify and manage.

With our Motor Trade Select insurance policy, you can protect yourself, your employees, and your business assets. Our policy includes cover suited to a variety of motor trades – from agricultural machinery and vehicle dealers, to independent car dealers and MOT test centres. It’s flexible too, so you can choose cover that meets your business needs now and in the future.

Key things to know about our cover

  • Road risks - Covering vehicles belonging to you and your customers which are with you for MOT testing, servicing, maintenance or sales, including driving and moving them as part of your day-to-day motor trade activities. Cover can be arranged on a Comprehensive, Third Party Fire and Theft or Third Party Only basis
  • Liability - You or your employees may be held responsible for accidental injury to customers or the public, or for damage to their property. Our normal cover is £2.5 million but you can choose higher limits. Also as an employer, you have a legal responsibility to buy employers’ liability insurance. If you choose to add this we provide £10 million as standard but higher limits are available
  • Legal expenses - Legal disputes can stretch the resources of any business. They can be complicated, costly and time consuming. We can help protect you and your employees during legal disputes, providing a specialist lawyer to advise and support you, and cover against legal costs, up to £250,000

Why choose NFU Mutual?

Local presence

With a network of 300 agency offices nationwide, we can meet you face to face and really get to know you and your business.


With over 100 years of insurance knowledge and expertise, we know the industry inside and out.


Instead of making decisions based on shareholders' needs, we make them with your best interests in mind. We reward our loyal customers through a Mutual Bonus which provides a saving on the renewal premium of your General Insurance policy.

Find your local NFU Mutual office and have a real conversation about your business needs, and see why 9 out of 10 business insurance customers choose to stay with us year after year.