Car Transporter Insurance Quotes

What Is Car Transporter Insurance?

Car transporter insurance, commonly known as vehicle transporter insurance, is a form of insurance for the motor trade industry.

This insurance policy offers protection to those who are transporting cars, vans or provide other vehicle delivery services. You may require vehicle transportation cover to protect you from incidents during loading and unloading, as well as for loss or damage occurring during transit. 

Having the right vehicle transportation liability insurance in place can be critically important should an accident happen during vehicle transportation.

Every vehicle transporter business faces unique challenges, and so your insurance requirements will be different too, which is why it’s beneficial to speak with an insurance provider. They will create motor trade insurance policies tailored to your needs and provide any advice on what types of cover you may need.

What cover does a vehicle transporter insurance policy include?

Each vehicle transportation insurance policy will vary from business to business. Here is a brief look at what may be included in your car transportation insurance policy:

• Road risk cover: Every vehicle on public roads must have road risk insurance. A road risk policy for car transporters should include cover to drive your customer’s cars, which is necessary even if it is only to load them onto your vehicle transporter.
• Goods in transit cover: This type of transportation insurance is designed to cover damage caused while transporting cars.
• Employer’s liability insurance: Employers liability is a legal requirement for many businesses. You may be required to have a minimum of £5,000,000 of employer’s liability cover.

If you require assistance deciding which cover you need, complete the quote form to take no-obligation, expert advice from a car transporter insurance specialist.

How to reduce the cost of car transporter business insurance

Hauling cars and other vehicles can be risky. Claims can be costly, so insurance pricing reflects the level of risk involved.

However, there are ways to reduce the cost of your vehicle transporter insurance:

• Pay annually: If cash flow allows for it, paying for your policy in one go can be cost-effective. Monthly payments will incur interest charges.
• Build up a no-claims bonus: Claiming on your policy is sometimes unavoidable, particularly for large claims. If you can build up a no-claims bonus, you should see a price reduction in your vehicle transportation insurance yearly.
• Compare & switch: The insurance industry is renowned for offering great deals for new customers. It may be tempting to auto-renew your cover each year but it pays to shop around when looking into renewing your insurance for car transport.
• Experience & age of named drivers: Motor trade insurance policies for people under 25 tend to be harder to arrange and are often more expensive as young drivers are considered higher risk. The same goes for experience, whereby it will be more expensive to insure motor traders who are new to the industry than those who are more experienced.

Compare car transportation insurance quotes

From part-time motor trade insurance to cover for national businesses, the most accurate way to see how much insurance will cost is compare quotes. If you would like a rough indication, visit our guide to how much motor trade insurance costs in the U.K.

We can also assist a range of other business types with their motor trade insurance comparison, including:

• Car valeters
• Vehicle sales
• MOT garages
• Mechanics
• Scrap dealers
• Tyre fitters.

No matter what service you provide in the motor trade industry, get in touch to see how we can help.