Motor Trade Insurance and Towing

Our cover provides additional cover that most general policies may not provide. get the peace of mind knowing that you have the correct cover for your business.

From large car dealerships to the single owner operated tow truck or even your tyre fitment centre. We know the trade and therefore can offer you the best policy with the experience required to meet your needs.

Insurance for the motor trade
Just Some of our special cover and features
Theft

Optional cover for theft of vehicles in the open as well as parts stolen off a vehicle. Most insurers require the entire vehicle to be stolen for there to be cover...

Glass section

Insured on a first loss basis. This means that average does not apply to this section where most insurers require the entire glass sum insured...

All risks

Unspecified tools and equipment, customers personal effects and or advertising material and equipment. Also allow for unspecified and grouped items...

Motor traders external

Cover where vehicles are given to sub-contractors and or whilst vehicles are being towed on behalf of the insured. Cover for vehicles parts and accessories. Optional cover social, domestic use and demonstration even unaccompanied...

Automatic Cover

We do offer various automatic extensions and cover as we know sometimes clients forget to add sections or items. This way you will have cover for items you forgot to insure even if it is limited at no extra cost to you...

Motor Traders Internal

Cover for hoists and lifts. Cover for windscreen, work away and loss of use extensions. Damage to property being worked upon and directly resulting from such work which should not be confused with Defective workmanship...

Special cover

Defective workmanship even prior to handing over to a client

We treat your customers vehicles as your own meaning claims go much quicker

Cover for vehicles in the open not behind locked gates or under cover

Cover for vehicles at a sub contractor just in case they do not have cover.

For The Towing Operator
Towing Vehicles

Whether you have a roll-back, A-frame or just a trailer, we can cover your towing vehicle including all the extras. We know that Tow Truck Operators take great care of their vehicles as its their source of income. So get cover for any optional extras fitted such as lights, decals, radios, winches and rims. With most insurers declining Tow Truck Insurance, we welcome it and want you.

Clients Vehicles

Whilst most insurers will offer standard "goods in Transit" for the vehicle you are carrying, they may not cover the vehicle whilst being loaded and off-loaded. With our specific additional cover, you can know that the vehicle you are carrying is properly covered as well as for liability to other parties should the vehicle being carried come off.

Storage Yards

As many operators these days are realising, it pays to have storage yards. We can cover the vehicles for fire and allied perils as well as hail. With automatic cover for shade netting and optional cover for vehicles in the open, there is peace knowing that your liability and clients vehicles are covered.

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What we cover that you should ask your insurance if they will cover this as well. 8 out of 10 other insurers do not.


  • We can cover Loading and offloading of vehicle even after it is on the ground and has been released from the Tow Vehicle
  • We  can cover the Liability caused by the vehicle being towed coming loose and damaging third party property
  • We  can cover Tools of Trade attached to a vehicle such as an A-frame or Flat Bed. (most insurers exclude this which means your vehicle conversion would not be covered)
  • We  can cover towing for reward (Most other insurers exclude this meaning you are not covered if you get paid to tow a vehicle)
  • We  can cover work away, vehicles whilst being worked upon and defective workmanship which is needed for those providing Roadside assistance
  • We  can cover you for moving a clients vehicle by driving it
  • We can cover theft without forcible violent means
  • We can cover your clients vehicle for Hail when it is not under cover
  • We can cover your conversions for actual replacement value
  • We can pay for the clients vehicles damaged by you even if that vehicle has insurance (most insurers will only pay a portion of the damage if the vehicle being towed has its own insurance or even not pay at all)
  • We can cover towing when a portion of the vehicle being towed is on the ground. (most other insurers do not cover the towed vehicle unless all 4 wheels are off the ground.)