Motor Trade Insurance

Motor Trade

Our bespoke motor trade policy provides cover for small traders operating from home to medium-sized operations. The package can be modified to cover your client’s personal vehicles, too.

Who we work with

  • Drivers over the age of 30
  • Part-time traders
  • Sole traders operating from their home or business premises
  • Good proven no claims experience
  • Repairs
  • Buying and selling
  • Servicing
  • Mobile operators
  • Businesses that do a combination of work

What our motor trade insurance policy covers

  • Indemnity limits up to £30,000
  • Third-party liability and property damage up to £5m
  • Replacement audio and satellite navigation equipment up to £500
  • Up to four specified drivers
  • Foreign use in EU countries
  • Accidental damage, malicious damage and vandalism, fire, self-ignition, lightning and explosion, theft and attempted theft


  • Additional business use for secondary occupation
  • Foreign use in non-EU countries
  • Accompanied demonstration cover

Additional benefits of the motor trade policy

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Introductory discounts

Discounts for clients who have previously worked in the Motor Trade industry, as well as for those working in servicing or repairs.

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Dash camera exemption

Policyholders can have up to £250 of the excess waived if they provide dash cam evidence of the accident within 48 hours.

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Ongoing support

Policyholders have access to a 24-hour hotline to minimise the potential impact incidents could have on their business.

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Multiple coverage options

Comprehensive, third-party fire and theft, and third-party only options available.

Benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With a streamlined process involving minimal paperwork, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

Our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Specialist motor insurance that gets the job done

KGM provides market-leading cover for your client’s personal and business needs.

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A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301818. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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