What is Motor Trade Insurance?
Quick Summary
If your business involves customer vehicles being on your premises, on your hoist, in your yard, or being road tested, standard public liability insurance will not cover you properly. Motor trade insurance, sometimes called garage liability, is built specifically for businesses that work on, store, or move vehicles that belong to someone else. Contact our team to find out exactly what level of cover your business needs.
Covers damage to a customer's vehicle.
Fire and theft of vehicles left in your care overnight or over a weekend
Third party or Malicious property damage
Who We Cover
We work with all types of businesses that work on or with vehicles operating in Brisbane and Queensland
What's Included?
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Damage to a customer's vehicle while it's on your premises, on the hoist, or being road tested
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Fire and theft cover for vehicles left in your care overnight or over a weekend
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Malicious damage to a vehicle while under your control
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Third party property damage caused while moving, testing, or working on a vehicle
What's Not Covered?
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Your own business vehicles, these need separate commercial motor vehicle insurance
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Mechanical breakdown or wear and tear unrelated to work performed
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Damage caused by unlicensed or unauthorised drivers operating a customer's vehicle
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Vehicles left on site well beyond agreed timeframes without the customer's knowledge, cover can be limited or void in some circumstances
Frequently Asked Questions
Questions regarding cover relevant to your business.
Generally yes, provided the road test is a genuine part of completing the job. Policy wording varies, so it is worth confirming this specifically if road testing is a regular part of your operation.
Almost certainly yes, if customer vehicles are ever in your care, custody, or control. Public liability and motor trade insurance are designed to work together, not to replace one another.
Most motor trade policies include cover for vehicles left on site overnight, but the level of cover often depends on your security arrangements, so this is worth confirming as part of setting up the policy.
No. Motor trade insurance covers customer vehicles in your care. Your own business vehicles need to be insured separately under commercial motor vehicle insurance.
Why Monarch?
Why choose us as your brokerage
Personalised Service
We take the time to understand your business, tailoring insurance solutions to fit your exact needs rather than offering a one-size-fits-all policy.
Expert Guidance
Our team brings deep industry knowledge and explains your options in plain language, helping you make confident, informed decisions.
Trusted Claims Support
If the unexpected happens, we stand by your side. We’ll guide you through the claims process and advocate on your behalf to get the best outcome.
Local Focus, Real Relationships
As a Brisbane brokerage, we’re invested in our community and committed to building lasting relationships, not just policies.
Get your Motor Trade cover reviewed properly, contact Monarch today
Every workshop and auto business operates a little differently, and getting motor trade cover set up properly means understanding exactly how vehicles move through your business day to day. Get in touch with Monarch Insurance Brokers and we will walk through what level of cover actually fits your operation.
