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Motor Trades Insurance

Need insurance for your automotive business but not sure where to start? With over 20 years of experience servicing the Australian motor trade sector, Marsh help businesses arrange insurance that is designed to meet the specific risk requirements of the industry. .

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Motor Trade businesses we can service

Auto Electricians 

Get business pack insurance for your auto electrician business. Insurance cover arranged by Marsh include public liability, machinery breakdown, business interruption and more.

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Mechanics

Whether you're a mobile mechanic, work with diesel only or service a range of car models and makes, we can help mechanics from a variety of specialities arrange insurance that meets the risk needs of the industry.

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Tyre Retailers & Fitters 

Servicing over 500 tyre retailers nationally, our dedicated team is experienced in arranging comprehensive tyre retailer insurance to address your business risks. 

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Car Dealers 

Safeguard your new or used car dealership from risks that are prevalent to the Australian motor trades industry with business insurance arranged by Marsh.
 


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Recommended Insurance solutions for the Motor Trade Industry

There are a number of different roles that insurance can play when it comes to protecting your motor trade business from certain liabilities. We can arrange business insurance that is designed to meet the specific risk requirements of the industry. Insurance motor trade and tyre retailer businesses should consider, include:

Public & Product Liability: If you accidentally injure a third party, such as a client, or damage their property (including items), you may be liable to compensate them for their loss or injury and for the legal costs incurred.

Business Interruption: Business interruption insurance can help motor trade businesses recover and get back on track after an unexpected significant property loss, including temporary shutdown from serious fire or storms.

Electronic Equipment Breakdown: Helps cover breakdown of electronic equipment at your premise (e.g. Photocopiers, Computers, POS).

General Property – Cover the loss or damage of personal property, including laptops, with general property cover.

Property: Can help cover physical property, the contents and equipment of your business from unexpected specified events, such as accidental damage, theft, fire and other perils.

Glass: Helps cover for the costs of replacing internal or external glass that is accidentally damaged or broken.

Professional Indemnity: Professional indemnity insurance, also known as errors & omission cover, can help cover motor trade businesses that offer advice or a service to customers.

Machinery Breakdown: Machinery such as hoists may be critical to your business. Machinery breakdown insurance can help cover any sudden or unforeseen breakdowns of your equipment that is housed on your business premise.

Money: Designed to cover motor trade business's money whilst on your premises or in transit.

Customer Motor Vehicle:  Helps to cover customer motor vehicles on your property that are damaged or stolen.  Cover is  also be available for accidents when the insured or an employee of the insured needs to drive the Customer’s vehicle from one section of your property to another or even test driving on the public roads.




 

 

Don’t leave insurance in the backseat, take charge with Marsh

Trusted by 800+ businesses in the industry

We are proud to be the preferred insurance broker for over 800 Australian motor trade and tyre retailer businesses.
 

Ongoing advocacy and support

In addition to obtaining quotations and placing your motor trade insurance policy, we also help manage, negotiate and settle claims with insurers on your behalf.

20+ years of experience insuring the industry

Our dedicated broking team have been supporting clients in the motor trade industry for over 20 years.





 

 

Why do I need Insurance for my Motor Trade business?

Having the right insurance may be the “make or break” for whether a business survives the financial strain of an accident or claim. To ensure your business has appropriate cover that meets your risk requirements, it’s important that, as a business owner, you first understand the unique risk exposures of your business. Common risks exposures to the motor trade and tyre retailer industry include:

  1. Allegations by clients of faulty workmanship or installation to their vehicle.
  2. Damage or theft to vehicle stock, parts, mechanic tools and equipment.
  3. Unforeseen mechanical breakdowns that occur to machinery in your shop. This can include items such as a car hoist or tyre changer that, if out of use for a period of time, can have an impact on your ability to service clients.
  4. Reversing collisions that causes damage to a customer’s car

Mechanic working on a car




Additional Insurance cover options for Motor Trade businesses and Tyre Retailers

Cyber Insurance

Does your business store customer data or sensitive business information on your server or with a third party service provider? Cyber insurance cover can help minimise the financial impact and risk of cyber-attacks.

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Management Liability

Business directors and officers can be held personally liable for certain breaches made by their company. Management liability insurance can help cover and reduce the risk of these financial exposures.

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Frequently asked questions

Does Marsh offer monthly payment options for Motor Trade and Tyre Retailer insurance?

Yes, we can organise funding for your premium payable in monthly instalments* provided your business meets certain criteria.

To request monthly payments please call us on 1300 307 563 or click here to fill out our contact form.

*Interest and additional fees will apply .

I’ve got a policy with Marsh, how often should I be reviewing it?

The answer to this question is largely dependent on how frequently changes occur to your business. Whether it’s business growth, a change in the complexity of work, or expanding out your services, there are several changes that should trigger an insurance review. As a rule of thumb, we recommend reviewing your policy every year to ensure your business is covered appropriately for its risk exposures.

If you are aware of any changes to your service that should be captured by your policy, please contact the Motor Trades team at Marsh so we can help you update your insurance cover. Some changes are required to be notified to the insurer in accordance with your duty of disclosure.

The Victorian Automobile Chamber of Commerce (ABN 63 009 478 209) receives a financial benefit when an insurance policy is arranged by Marsh for VACC members enabling VACC to continue to provide further services to the automotive industry.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.