Motor Trade

Insurance cover for your motor trade business no matter how big or small

We work with a range of insurance partners to bring you the best possible price and give you the level of indemnity cover that you require.

Whether you are a full or a part time car trader, Insurance is essential to your business – particularly if you have a lot of expensive stock, not having the necessary amount of cover could be very costly.

We can offer additional business use if you have a secondary occupation outside of the Motor Trade.

We have a wealth of experience when dealing with all types of motor trader, from single-vehicle sole traders to large garages and MOT centres.

Some of our insurers offer liability as standard with Motor Trade policies, to cover liability separately see our liabilities page.

We understand the market and which insurers are suitable for you

We can offer a bespoke package suitable for your needs

We can quote drivers under the age of 25

We could be the cheapest

Why choose Impact Insurance

“When I passed my driving test Impact was the first place I ever went for my car insurance. That was over 5/6 Years ago and since then they have been amazing. The company have this really good atmosphere which is really welcoming. Can’t recommend the place enough 😊🚗”
Kate, via Google Reviews
“Very good service all round, David was always there explaining everything step by step, and was very helpful, would highly recommend and will certainly be using them in the future.”
Karen, via Google Reviews

How to get Motor Trade cover


Complete our quotation forms online and we’ll get right back to you with your options.

On the phone

If filling in forms isn’t your thing, you can give us a call instead.

Visit us

Come down to our Bolton-based offices and we’ll sort everything for you.

Need a Motor Trade quote?

You can get a quote online. If filling in forms isn’t your thing, you can call or come down and visit us instead.

Duty of Disclosure

Where the main use of the contract is private.

Your duty to give information

When applying for or amending your insurance policy, we and / or your insurer will ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured, and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and needs.

The reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection; insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance.


Duty of Disclosure

Where the main use of the contract is commercial.

It is your duty to ensure that you provide a fair presentation of the risk to underwriters; the objective of a fair presentation is to give us all the information underwriters might need to quote the premium and decide what terms to apply.

You have a duty to disclose every material circumstance that you know or ought to know after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during the policy period. A circumstance is material if it would influence the underwriters decision whether to accept the risk, including terms and pricing.

If there is any doubt whether a circumstance is material to this risk, it should be disclosed as failure to disclose may entitle insurers to refuse to pay a claim or apply additional terms or reduce the claim payment.

The point of a fair presentation is that it is far better to declare everything at the time of a quotation than to let the insurer find things out at the time of a claim.