Motor Trade Insurance Calculator (2025) – Estimate Your Business Premium Instantly
Find out how much motor trade insurance may cost your business, including liability, road risk, and premises cover.
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Motor Trade Insurance Calculator
Fill in your business details to get an instant motor trade insurance premium estimate
Step 1 – Business & Trader Information
Step 2 – Cover Details
Public and employer liability protection
Protection for customer vehicles in your care
Cover for vehicles stored at your business
What Impacts Motor Trade Insurance Costs?
Main Variables:
- • Type of business (sales vs repairs vs recovery)
- • Turnover & employee count
- • Road risk cover type
- • Premises security & postcode
- • Liability and customer vehicle protection
Cost Factors:
- • Business experience and trading history
- • No claims bonus accumulation
- • Geographic location and risk area
- • Fleet size and vehicle values
- • Additional coverage requirements
Average UK Premium Ranges (2025)
| Business Type | Typical Annual Premium | Cover Type |
|---|---|---|
| Part-time trader | £1,000–£1,800 | Road risk only |
| Full-time mechanic | £2,000–£3,200 | Combined cover |
| Car dealership | £3,500–£5,000 | Road + premises |
| Recovery operator | £2,500–£4,200 | Road + liability |