Commercial Motor

Motor Trade Insurance

Protecting your whole business, not just your vehicle

Motor Trade Insurance is not just a legal requirement, but a public responsibility for those who service, test, scrap or sell vehicles.

The Insurance Centre can find you a comprehensive Motor Trade Insurance plan with access to a wide range of renowned insurers. This allows you to select from an array of different products in order to suitably insure your business.

Key Features

  • Business interruption
  • Personal accident
  • Plant inspection
  • Road risks
  • Wrongful conversion
  • Tools
  • Public/Employer/Product liability

Fleet Insurance

Comprehensive fleet cover in one package

If you have three or more vehicles or multiple drivers, then you could benefit from Fleet Insurance.

This policy will provide you with comprehensive financial protection and the flexibility to adapt alongside your growth. Fleet cover tends to be cheaper than insuring each car individually and has the potential to cover a range of vehicles from mini-buses to motorbikes.

Key Features

  • Windscreen
  • Public/Employer liability
  • Replacement vehicle
  • Loss or damage to your vehicles
  • Personal accident
  • Legal cover

Haulage Insurance

Keep your haulage business up and running

If your business involves transporting goods in a van or a lorry, you could benefit from Haulage Insurance.

It’s important to determine which kind of work you carry out, as if you take out haulage insurance and are deemed to be working as a courier, your insurance may be void. Different providers have different definitions, therefore we will work with you to determine which applies to your business.

Key Features

  • Goods in transit
  • Breakdown
  • Business interruption
  • European cover
  • Courtesy vehicle hire
  • Driver’s belongings
  • Windscreen cover
  • Public/Employer/Product liability
  • Tools/equipment

Public and Private Hire Insurance

Coast through the process of finding great insurance

We can help keep taxi drivers/chauffeurs on the road with a suitable and affordable policy, by arranging Public and Private Hire Insurance designed to protect you, your licence and your vehicle.

We’ll source specialist products from a wide range of insurers to ensure your minibus, black cab or taxi fleet is suitably covered.

Key Features

  • Public and employer’s liability
  • Liability cover
  • Personal accident/injury
  • Breakdown
  • Legal expenses
  • Loss of earnings


Levels of Vehicle Cover

There are three levels of vehicle cover you can choose from:

Third party only

Your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party cover.

Third party, fire and theft

Fire and theft cover to your car and your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party Fire & Theft cover.


Loss or damage to your car through accident, fire or theft and legal liability for injury or damage you or permitted drivers may cause to others as provided by Comprehensive cover .

Want to extend your coverage even further?

You could benefit from additional cover such as Breakdown, GAP or Excess Protection.

What type of liability cover do you need?

There are three main types of liability cover

Liability cover protects companies and its members against liability claims made against them for damage or injury to people or their property. It covers the cost of areas such as defence, legal costs and legal payouts.

Public Liability

Public Liability insurance isn’t a legal requirement, although some local authorities might require you to have it. Its purpose is to cover any damages awarded to a member of the public due to an injury or damage to their property caused by you or your business.

Employers' Liability 

If you employ one or more members of staff, you are legally obliged to take out Employer’s Liability Insurance for a minimum of £5m. This will cover you if an employee or ex-employee make a claim for illness or injury caused by your business, including compensation costs and legal fees.

Product Liability 

If someone, or their property, has been damaged or injured by a product sold by your business, they have grounds to make a claim against you. Even if the product wasn’t manufactured by your business but includes the name of your business or if you have repaired/refurbished it, you may still be liable.

What’s the difference between Public and Private Hire Insurance?

The type of taxi you run will make a difference towards the policy you need.

Private Hire Insurance covers taxis which can be pre-booked or booked at a taxi rank, they cannot be hailed in the street.

Public Hire Insurance covers taxis which can also be pre-booked, or booked in a taxi rank however they CAN be hailed in the street. These are often referred to as ‘black cabs’.


How could I reduce the cost of my Fleet Insurance?


If you have the correct security, staff and procedures in place, you could benefit from reduced premiums for your Fleet Insurance.


  • Fit your vehicles with dashcams
  • Keep vehicles parked safely overnight
  • Employ drivers with clean records
  • Conduct risk assessment
  • Invest in GPS tracking software

Additional Cover

This will cover the gap between the value of the car when you bought it and the value it has when you make the claim.

This covers you in the event you break down at home or on the road – giving you access to roadside assistance and recovery.

This covers the cost of the excess you agree to when you take out insurance for your car.

We have been using The Insurance Centre for a good number of years and they have always offered very competitive prices and they also answer any questions and queries efficiently.

Being able to call or visit the office has meant I’ve not had to spend time trying to contact insurance companies, which has enabled me to concentrate on other areas of our business.

I highly recommend this company and wouldn’t consider using anywhere else for our insurance needs. They are centred around customer care and the dedicated team are friendly, approachable and highly professional.

TIC are a company that care and they always go the extra mile.

Mrs K Smith | Lancaster

The Insurance Centre has provided insurance services to our company for a number of years. Their approach to customer service is incomparable, with expert advice and the most competitively priced policies to suit our business needs.

The support continues all through the insurance process from obtaining the initial quotations, changes to the cover during the term of the policy and providing assistance during accidents and claims. The Insurance Centre responds promptly and professionally to any communication.

We would highly recommend the company to anyone who is looking for a helpful, friendly, proactive and efficient approach to insurance services.

| Bay Scaffolding Ltd

I found The Insurance Centre a great company to deal with when sourcing my combined brewery and tap room insurance policy.

Suzanne’s advice was second-to-none, her attention to detail and tenacious approach meant that I was covered when my business was ready to open at a premium that was the most competitive amongst the quotes I had obtained. I will definitely be working with The Insurance Centre again in the future.

Dom Hope-Smith, Director | Carnival Brewing Company

Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.

Sarah and Ben Johnson | High Net Worth and Property portfolio client

Frequently Asked Questions

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