Motor Trade Insurance by Business Type

Different motor trade businesses face different risks. Find tailored insurance information for your specific operation.

🏬

Car Dealers

New and used car dealerships — from franchise showrooms to independent used car yards and online traders.

Vehicle Stock CoverRoad Risk CoverPublic & Product Liability ($2M minimum)
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🔧

Repair Garages & Workshops

General mechanical repair, servicing, and maintenance workshops — from single-person operations to multi-bay facilities.

Customer Vehicles CoverPublic & Product Liability ($2M minimum)Professional Indemnity
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Auto Electricians

Specialist auto electrical workshops and mobile auto electricians — ECU diagnostics, wiring, EV systems, and more.

Professional IndemnityPublic & Product LiabilityCustomer Vehicles Cover
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🛠️

Panel Beaters & Smash Repairers

Accident repair workshops, smash repairers and vehicle body shops — from independent operators to insurance-preferred repairer networks.

Customer Vehicles CoverPublic & Product LiabilityProfessional Indemnity
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Tyre Dealers & Fitters

Tyre retail and fitting businesses — from mobile tyre vans to multi-bay retail stores with wheel alignment and balancing.

Public & Product LiabilityProfessional IndemnityCustomer Vehicles Cover
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🚐

Mobile Mechanics

Mobile mechanical repair and servicing businesses — working at customer homes, workplaces and roadsides.

Public & Product Liability ($2M+)Professional IndemnityPortable Tools Cover
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🚢

Vehicle Importers & Wholesalers

Businesses importing Japanese domestic market and other used vehicles for resale into the local market.

Marine Cargo Insurance (in-transit)Vehicle Stock Cover (yard stock)Public & Product Liability
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🚗

Car Sales Yards

Used car yards and independent vehicle retailers — from small backyard yards to busy forecourts carrying 50+ vehicles.

Vehicle stockRoad riskPublic liability
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🚐

Fleet Operators

Businesses operating commercial vehicle fleets — including vehicle leasing, fleet management companies, and corporate fleet operators.

Fleet road riskVehicle stockPublic liability
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WoF Inspection Stations

NZTA-authorised Warrant of Fitness and Certificate of Fitness inspection stations — independent and franchise-operated.

Professional indemnityPublic liabilityCustomer vehicles (bailee's liability)
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🏍️

Motorcycle Dealers

Specialist motorcycle and scooter retailers, including new and used bike dealers, powersports dealers, and vintage motorcycle traders.

Vehicle stockRoad riskPublic liability
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🏷️

Vehicle Auctions

Motor vehicle auction operators — including trade auctions, public auctions, online vehicle auctions, and auction house operators.

Customer vehicles (bailee's liability)Road riskPublic liability
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🔨

Smash Repairers

Auto body repair businesses specialising in collision damage, structural repair, and cosmetic restoration — from small dent removal specialists to full body shops.

Customer vehicles (bailee's liability)Public liabilityTools & equipment
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