Insurance Built for
Motor Trade Businesses
Whether you run a car dealership, repair garage, panel beating shop, or mobile mechanic service — we connect you with experienced, licensed advisers who understand the motor trade inside and out.
Get Your Quote
A licensed adviser will contact you within one business day.
Motor Trade Coverage Types
Every automotive business has unique risks. Explore the coverage options available to motor traders.
Road Risk Cover
Drive any vehicle in connection with your motor trade — test drives, auction pickups, delivery runs — without needing individual policies for each car.
Vehicle Stock Cover
Protect the vehicles on your forecourt or premises against fire, theft, storm, flood and accidental damage — your stock is your biggest asset.
Customer Vehicles Cover
Protect your customers' cars while they're in your care for service, repair or storage — bailee's liability for the motor trade.
Public & Product Liability
Cover legal costs and compensation if someone is injured or their property damaged as a result of your motor trade business.
Professional Indemnity
Protect your business against claims of faulty workmanship, errors, omissions or negligent advice that cause financial loss to a client.
Tools & Equipment Cover
Protect your workshop's hoists, diagnostic equipment, power tools and hand tools against theft, fire and accidental damage.
Property & Premises Cover
Insure your workshop building, showroom, office and yard against fire, storm, flood, earthquake and accidental damage.
Business Interruption
Replace lost revenue and cover ongoing costs if your business is forced to close due to fire, flood, storm or other insured damage.
Insurance for Every Motor Trade Business
Different automotive businesses face different risks. Find tailored insurance guidance for your specific operation.
Car Dealers
New and used car dealerships — from franchise showrooms to independent used car yards and online traders.
Repair Garages & Workshops
General mechanical repair, servicing, and maintenance workshops — from single-person operations to multi-bay facilities.
Auto Electricians
Specialist auto electrical workshops and mobile auto electricians — ECU diagnostics, wiring, EV systems, and more.
Panel Beaters & Smash Repairers
Accident repair workshops, smash repairers and vehicle body shops — from independent operators to insurance-preferred repairer networks.
Tyre Dealers & Fitters
Tyre retail and fitting businesses — from mobile tyre vans to multi-bay retail stores with wheel alignment and balancing.
Mobile Mechanics
Mobile mechanical repair and servicing businesses — working at customer homes, workplaces and roadsides.
Vehicle Importers & Wholesalers
Businesses importing Japanese domestic market and other used vehicles for resale into the local market.
Car Sales Yards
Used car yards and independent vehicle retailers — from small backyard yards to busy forecourts carrying 50+ vehicles.
Fleet Operators
Businesses operating commercial vehicle fleets — including vehicle leasing, fleet management companies, and corporate fleet operators.
WoF Inspection Stations
NZTA-authorised Warrant of Fitness and Certificate of Fitness inspection stations — independent and franchise-operated.
Motorcycle Dealers
Specialist motorcycle and scooter retailers, including new and used bike dealers, powersports dealers, and vintage motorcycle traders.
Vehicle Auctions
Motor vehicle auction operators — including trade auctions, public auctions, online vehicle auctions, and auction house operators.
Smash Repairers
Auto body repair businesses specialising in collision damage, structural repair, and cosmetic restoration — from small dent removal specialists to full body shops.
How It Works
Three steps to the right motor trade cover — no jargon, no pressure.
Tell Us About Your Business
Complete our quick enquiry form with details about your motor trade operation — business type, vehicle values, and coverage needs.
Adviser Review & Contact
A licensed motor trade insurance adviser will review your needs and contact you within one business day to discuss your options and risks.
Get the Right Cover
Your adviser accesses multiple insurer markets to find the right policy at competitive rates — tailored specifically to your motor trade risks.
Insurance Resources
Researched articles to help you understand motor trade insurance.
The Complete Guide to Motor Trade Insurance in New Zealand (2026)
Everything NZ car dealers, mechanics, panel beaters and auto electricians need to know about motor trade insurance — coverage types, costs, providers and how to choose the right policy.
Road Risk Cover: What Every NZ Car Dealer Needs to Know
Road risk insurance is the cornerstone of any NZ motor trade policy. Without it, every vehicle you drive for business is uninsured. Here's what you need to know.
How Much Does Motor Trade Insurance Cost in NZ? (2026 Guide)
Premium ranges for car dealers, garages, panel beaters and more — and the key factors that determine what you'll pay for motor trade insurance in New Zealand.
Get Your Motor Trade Insurance Quote Today
Submit your details and a specialist adviser will be in touch — straightforward advice, no hard sell, ever.
Get a Quote