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Why Public Liability Insurance Is Crucial for Car Forecourt Traders
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Motor Trade InsuranceWorking From Home
Motor Trade Insurance Working From Home
Road risk and add-on cover for motor traders without premises, buying, selling or repairing vehicles from home, full-time or part-time.
Road risk and add-on cover for motor traders without premises, buying, selling or repairing vehicles from home, full-time or part-time.
No premises neededPart-time tradersTest drives covered
Road risk only
Speak to a specialist 0330 808 1117
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What is motor trade insurance working from home?
Motor trade insurance working from home is cover for full-time and part-time traders who run their business from a residential address rather than commercial premises. It’s usually built around road risk, letting you drive stock and customer vehicles, with optional demonstration, tools and liability cover added as needed.
No unit or forecourt? You can still get motor trade insurance, many insurers offer policies designed for traders working from home.
Your home-based policy depends on:
Your postcodeBuying and selling or repairsWhere vehicles are keptNumber of vehicles at onceTest drives and demosFull-time or part-timeDrivers and experience
Start with how you trade from home
Buying and selling from home and repairing from home are rated differently. Start with the one closest to what you do.
Road risk only: the core cover for home and part-time traders
Most traders working from home start with a road risk only motor trade policy. It covers the vehicles you drive for your trade, not a building or stock on premises.
Road risk typically covers:
Stock vehicles you ownCustomer cars in your careCollections and deliveriesRoad tests after repairsThird party to comprehensiveNamed or any-driver options
Working from home vs trading from premises
Working from home vs trading from premises
Home-based motor traders usually need road risk only cover with a few add-ons. Traders with a unit or forecourt can hold road risk only too, or choose a combined policy that adds premises, stock and liability cover.
Home-based motor traders usually need road risk only cover with a few add-ons. Traders with a unit or forecourt can hold road risk only too, or choose a combined policy that adds premises, stock and liability cover.
| What’s different | Working from home | Trading from premises |
|---|---|---|
Typical policy | Road risk only | Road risk only or combined cover |
Premises and buildings | Not needed | Optional, or part of a combined policy |
Vehicles kept at your address | Declared, with storage conditions | Optional, or part of a combined policy |
Vehicles held at once | Often limited | Higher limits available |
Customer visits | Public liability add-on | Public liability, optional or part of a combined policy |
Demonstration cover | Optional | Optional |
Tools and equipment | Optional add-on | Optional, or part of a combined policy |
Top Tip
Tell your insurer where trade vehicles are parked overnight. Many home-based policies set conditions for vehicles kept on the road or on your driveway.
Part-time motor trade insurance from home
Part-time motor traders can trade from home, but insurers still expect you to be a genuine trader.
Insurers will usually ask about:
Your main occupationVehicles bought or sold a yearHours spent tradingWhere stock is storedSecurity at your homeMotor trade experience
How much is motor trade insurance working from home?
Your price depends on your postcode, your level of cover, vehicle values, drivers, where vehicles are kept overnight, your excess and your claims history.
Where you are based matters. Postcode is one of the biggest rating factors on a motor trade policy, and it affects more than the price. It can decide whether an insurer will quote at all.
Level of road risk
Road risk can be third party only, third party fire and theft, or comprehensive.
Where vehicles are kept
Insurers ask whether vehicles are kept on a driveway, in a garage or on the street.
Vehicle values
Insurers look at the value of the stock and customer cars you drive.
Level of excess
Your excess is what you pay towards each claim, so choose a level you could manage.
Drivers
Insurers will ask who drives, and their age and experience.
Claims history
Insurers will ask about any claims you have made.
Trusted by home-based and part-time motor traders across the UK
Trusted by home-based and part-time motor traders across the UK
From part-time sellers working evenings and weekends to full-time traders running their business from home, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
From part-time sellers working evenings and weekends to full-time traders running their business from home, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
Home trader guides
Home trader guides
Practical advice for full-time and part-time motor traders running their business from home.
Practical advice for full-time and part-time motor traders running their business from home.
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Motor trade insurance working from home FAQs
Motor trade insurance working from home FAQs
Straight answers for home-based and part-time traders without premises, from cover to cost.
Straight answers for home-based and part-time traders without premises, from cover to cost.
Yes. Many specialist insurers offer motor trade policies for traders without commercial premises, whether you buy and sell cars or repair vehicles from home. Most home-based policies are built around road risk cover.
Still not sure what cover you need?
Our motor trade specialists can check your setup and find insurers who cover home-based traders.