Motor Trade Insurance at a glance

What is Motor Trade Insurance Policy ?

Motor Trades Policy is specifically designed for businesses within the motor vehicle repair industry with comprehensive cover that can include your business assets and customers’ vehicles.

Who should consider it?

Those trades and services that are working on any motor vehicle, motor bikes and/or Trucks should consider this policy.  Select Insurance Brokers can tailor a policy to meet the specific needs of your business to ensure it is fully protected.

List of occupations suited 

Motor Mechanics (Including Mobile,)

Panel Beaters,

Auto Electricians,

Truck Mechanical Repairs,

Diesel Mechanics;

Motor Trimers;

Exhaust and Muffler Specialists;

Retailer for Motor Vehicle Parts

Tyre Retail Sales Including Fitting, Balancing,

Car Detailer (Including Mobile)

Car and Truck Wash,

Re-Condition Engine Repairs,

Steering and Suspension Repairs,

Mobile windscreen & Glass Repairs;

Paintless Dent Removals,

Automotive Rustproofing,

Mobile Spray painter;

Services Stations with Cafe

And many more….

What can it cover?

It will provide cover for your premises/workshop against major loss such as Fire, Theft of Goods, Legal Liability for damages caused, Faulty Workmanship cover up to $30,000 aggregate limit for rectification work and the full limit of liability for resultant damage and much more;

Other policies provided within the package;:

Type of cover

Potential benefits

Property (Fire) damage

Covers Your Property Insured that is accidentally Damaged at the situation during the Period of Insurance which is not otherwise excluded and provides a number of automatic additional benefits and extra covers.


Covers the cost of replacing or repairing Property Insured following Theft from the Situation. There is an optional benefit to include cover for Theft of a Customers’ Vehicle


Covers You for Loss of Money in Transit, Money on the Situation, Money in a Locked Safe or Locked Strongroom and Money in Your private residence and Damage to Safes or Strongrooms.



Accidental Breakage of Glass.

Public and Products


This Section covers You or any Insured Person for amounts You become legally liable to pay as compensation for Personal Injury, Property Damage and/or Advertising Liability within Territorial Limits as a result of an Occurrence in connection with Your Business.  It also can include goods in your Physical Care and Legal Control plus Faulty Workmanship (Known as Rectification Works up to $30,000)

Business Interruption

Consequential Loss from the interruption of or interference with the Business that is caused by a Defined Event that occurs during the Period of Insurance. Cover types available:

Part A – Business Income Protection; or

Part B – Consequential Loss of Profits

Professional Indemnity

This Section covers You and any Insured Person against civil liability for Damages and awards of claimants’ costs arising from any Claim that arises from failure to provide Professional Services

Customers’ Vehicles

Accidental Damage to Customers’ Vehicles and Your legal liability arising from the use of Customers’ Vehicles while being driven by You or Your employees in the conduct of Your Business.

Commercial Motor

You can select from the following covers:

A) Comprehensive

B) Third Party Property Damage only

Plus many more insurance covers – ask the Select Insurance broker representative and they will customise a package to suit your needs.

What usually isn’t covered?

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for:

  • Customers Vehicles unless Specified.
  • wear and tear, gradual deterioration, fading, developing flaws, scratching, marring, normal upkeep or any gradual cause;
  • Theft when entry has been made using keys or security codes.
  • Asbestos
  • Professional advice or service

There are other exclusions which your Insurance Broker can outline for you


Mechanic had just complete oil change and including other incidental repairs and took the customer vehicle for a testing drive.

During the test drive the mechanic heard noises coming from the motor and the vehicle started to shutter and eventually came to stop.

Upon inspection it was discovered the oil sump plug had loosen and the oil had drain from the engine over the road. The motor itself has seize and required to be repaired.

The policy responded under the public liability policy “Faulty Workmanship” and cost of repairs was $10,000.

Important note – the information provided here is general advice only and had been prepared without taking into account your objectives, financial situation or needs. A product disclosure statement (PDS) is available from your insurance broker. You should consider the PDS in deciding whether to acquire, or continue to hold, business insurance.

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