Motorcycle Traders Insurance
Motorcycle traders can face risks linked to sales, repairs, servicing, test rides, stock bikes, customer motorcycles, parts, accessories, tools, premises, and employees. If something goes wrong, a claim could affect your finances, reputation, and ability to keep trading.
Quote Monkey can help motorcycle traders request a specialist broker referral for cover such as road risks, stock, premises, tools, public liability, products liability, professional indemnity, employers' liability, and business interruption.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.
Specialist Referral Support for Motorcycle Traders
Motorcycle trading can include a wide range of activities, from buying and selling bikes to servicing, repairs, customisation, parts supply, test rides, collections, deliveries, and storing customer motorcycles or stock bikes.
Because motorcycle traders often handle valuable vehicles, specialist tools, customer property, road risks, and safety-critical parts, a specialist broker may be able to review your business and help identify suitable insurance options.
Common Insurance Sections for Motorcycle Traders
Road Risks Insurance
Road risks insurance may cover motorcycles connected to your trade while they are being ridden or driven on public roads. This could include stock bikes, customer motorcycles, bikes being collected or delivered, and vehicles used for test rides, depending on the policy wording.
Stock Insurance
Stock cover may help protect motorcycles, scooters, mopeds, parts, accessories, and related stock against insured risks such as theft, fire, accidental damage, or other covered events while kept at approved premises.
Public Liability Insurance
Public liability insurance may help protect your business if a customer, visitor, supplier, or member of the public is injured or their property is damaged because of your motorcycle trade activities.
Products Liability Insurance
Products liability insurance may help protect your business if a motorcycle, part, accessory, component, tyre, helmet, security product, or other item you sell, supply, fit, or install causes injury or property damage.
Professional Indemnity Insurance
Professional indemnity insurance may help protect your business if a customer claims they suffered financial loss because of professional advice, diagnostics, inspection reports, valuations, motorcycle sourcing advice, modification advice, or specialist recommendations.
Employers' Liability Insurance
If you employ mechanics, sales staff, riders, drivers, apprentices, admin staff, or temporary workers, employers' liability insurance may be legally required. It can help protect your business if someone working under your direction is injured or becomes ill because of their work.
Who May Need Motorcycle Traders Insurance?
Motorcycle traders insurance may be suitable for a range of two-wheel trade businesses, including:
Motorcycle dealers and used bike traders
Scooter and moped sales businesses
Motorcycle repair and servicing workshops
Mobile motorcycle mechanics
Motorcycle recovery and collection businesses
Motorcycle parts and accessories suppliers
Custom bike builders and modification specialists
Motorcycle valeters and detailers
Motorcycle tyre fitters and wheel repairers
Classic motorcycle restorers
Performance tuning and race-preparation businesses
Motorcycle importers and exporters
Road Risk and Test Ride Considerations
Motorcycle road risk cover can vary significantly depending on the insurer. A broker may ask who will ride or drive trade vehicles, rider ages, licence categories, claims history, business experience, maximum motorcycle values, whether pillion use is needed, and whether test rides are offered.
If customers are allowed to test ride motorcycles, this may need to be declared clearly. Insurers may apply specific rules around licences, deposits, accompaniment, documentation, security, and vehicle values.
Premises, Tools, Stock and Business Interruption
Motorcycle traders may rely on specialist tools, diagnostic equipment, ramps, lifts, compressors, tyre machines, workshop equipment, parts, accessories, clothing, helmets, and stock motorcycles. Depending on the policy, cover may be available for tools, contents, stock, buildings, customer motorcycles on site, and business interruption after an insured event.
Businesses operating from workshops, retail units, yards, garages, or showrooms may need broader protection than road risks alone. A specialist broker can review whether a combined motor trade policy may be more suitable.
Products and PI Risk Information
A specialist broker may ask whether you sell, supply, fit, install, modify, repair, or recommend motorcycle parts, tyres, brakes, chains, exhausts, helmets, clothing, security products, luggage, electrical parts, performance components, or custom accessories.
Products liability may be relevant where a supplied or fitted product causes injury or damage. Professional indemnity may be relevant where you provide paid advice, inspections, valuations, diagnostics, modification guidance, sourcing recommendations, written reports, or other specialist services where a customer could allege financial loss.
Information a Specialist Broker May Ask For
To review a motorcycle traders insurance referral, a broker may ask for:
Business activities and trade experience
Whether you trade full-time or part-time
Trading address, premises type, and security details
Rider and driver names, ages, licences, and claims history
Maximum motorcycle values and annual turnover
Whether customer bikes, stock bikes, or own bikes are handled
Whether test rides, collections, deliveries, or recovery work are offered
Tools, equipment, stock, and premises values
Whether employees, apprentices, or casual workers are used
Whether parts, products, advice, inspections, or reports are supplied
What May Not Be Covered
Cover will depend on the insurer, policy wording, declared activities, motorcycle types, rider details, exclusions, and conditions. Common restricted or excluded areas may include:
Undeclared business activities or vehicle use
Riders or drivers not named, accepted, or meeting policy criteria
Motorcycles above agreed values or outside accepted categories
Customer test rides where not declared or accepted
Racing, competition, track days, or performance use unless specifically agreed
Faulty workmanship itself, unless a specific extension applies
Damage to your own tools, stock, or premises unless the relevant cover is included
Professional advice claims unless professional indemnity cover is arranged
Employee injury claims unless employers' liability cover is in place
Always check the full policy wording, schedule, exclusions, endorsements, and conditions before relying on cover.
Request a Specialist Broker Referral
If you need motorcycle traders insurance reviewed by a specialist broker, you can submit details of your business, bikes, riders, premises, stock, tools, employees, and required cover.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.