FCA authorised · FRN 7249520117 325 0027Quote & buy →
Motor trade insurance is not a tick-box product. It’s a 14-page proposal form that decides whether your stock, your premises, your customers’ vehicles and your trade plates are properly covered — or quietly uninsured.
We’ve written the guide we wish every motor trader had on the desk before they signed last year’s proposal. Section by section. What the underwriter is actually asking. Why £5m PL isn’t always enough. Why road risks doesn’t cover the car on your ramp. Why “we always parked them on the drive” is an underwriter’s defence, not a trader’s.
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The independent dealership owner — running 30 to 200 cars on the forecourt, a couple of bays, valeting, light prep. You need to know whether your combined wording is keeping up with the stock you actually hold on plate-change weekends.
Valuation evidence works differently on a private classic policy from a trade stock declaration, a distinction Apex draws in its guide to agreed value cover for classic cars.
Proposal questions about peak stock value and single-vehicle value carry more weight where the stock is high-performance, as Apex explains in its guide to declaring high-value stock to insurers.
The body shop or repair garage principal — handling third-party referrals, insurer work, and a yard full of customers’ vehicles for weeks at a time. CCC is your defining exposure, and the standard sub-limit is rarely enough.
The motor trader’s office manager or finance lead — the person who actually fills in the proposal form, chases the certificates, reconciles the MID and explains the renewal to the directors. This is the guide you wished existed last year.
[Testimonial slot 1 — independent dealership owner, South West, on the experience of working through the proposal form section by section before renewal. Target 40–60 words. Include first name, business descriptor, town/county. No logos or brand names.]
[Testimonial slot 2 — body shop principal, on the discovery that previous policy’s CCC sub-limit was inadequate for the prestige work being undertaken. Target 40–60 words.]
[Testimonial slot 3 — finance / office manager at a multi-site motor trade group, on the clarity the guide brought to the renewal presentation. Target 40–60 words.]
Download the guide. Walk into your next renewal knowing what the underwriter is reading.
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Sector hub: Motor Trade Insurance
Related lead magnets: - Motor Trade Compliance Pack 2026 — FCA, DVSA, MOT, GDPR and consumer law for motor traders - Fleet Renewal Toolkit 2026 — for traders running their own delivery and recovery fleet - Broker vs Direct: A Decision Guide — when to buy through a broker, when not to
General guidance only — not regulated advice. Always consult your broker on your specific cover and circumstances. Apex Insurance Brokers Limited, FCA FRN 724952, Companies House 07014570. Registered office c/o Westcan, 5 Anglo Office Park, Bristol BS15 1NT.
Apex Insurance Brokers serves UK professional services firms and commercial businesses. Call 0117 325 0027, email info@apexinsurancebrokers.co.uk, or request a quotation.
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