Does DNA Offer Motor Trade Insurance?

Written by Michael Foote, Insurance Expert

Yes! DNA Trade Insurance is a specialist UK motor trade insurance broker offering cover to mechanics, car dealers, garages, MOT stations and other motor trade professionals. The company works with multiple underwriters to arrange policies tailored to motor trade businesses.

Unlike standard motor insurance, DNA Trade Insurance focuses exclusively on trade policies. This specialisation means they understand the unique risks businesses face when handling customer vehicles, maintaining stock, or operating mobile services. Their products include road risks insurance, combined motor trade policies, and various levels of liability cover.

Coverage Options Available Through DNA Trade Insurance

DNA Trade Insurance typically arranges several types of motor trade cover:

  • Road risks insurance for driving any vehicle in connection with your business
  • Combined motor trade insurance including premises, tools and liability cover
  • Public liability insurance for third party injury or property damage claims
  • Employers’ liability cover if you have staff
  • Tools and equipment protection
  • Motor traders combined policies covering both road risks and premises

The specific coverage you can access depends on your trade type, experience, claims history and business structure. Not all options are available to every applicant, particularly new or part-time traders.

Who DNA Trade Insurance Typically Covers

DNA Trade Insurance generally arranges policies for established motor trade businesses including:

  • Independent mechanics and repair workshops
  • Car dealerships and traders
  • MOT testing stations
  • Vehicle recovery operators
  • Mobile mechanics
  • Body shops and paint specialists
  • Parts suppliers who need to test drive vehicles

Startup businesses, part-time traders and those operating from home may find it harder to secure cover through DNA Trade Insurance. Many specialist providers have stricter acceptance criteria for these categories. If you operate a home-based motor trade business, you may need to approach multiple brokers or consider alternative providers.

What to Check Before Buying DNA Trade Insurance

Before committing to any motor trade policy arranged by DNA Trade Insurance, verify these key details:

  • Confirm exactly which vehicles are covered under your road risks element
  • Check any restrictions on driver ages, experience levels or licence types
  • Understand geographical limits (some policies exclude certain areas or restrict coverage to UK mainland only)
  • Clarify whether your tools and stock are adequately covered under the policy terms
  • Review the excess amounts for different claim types
  • Check notification requirements if your business circumstances change
  • Understand what documentation you must keep to validate claims
  • Ask about overnight storage requirements and security conditions
  • Verify whether specialist services like remapping or hybrid work are covered
  • Confirm the insurer behind the policy, not just the broker arranging it

Many traders assume their policy covers everything related to their business, but exclusions can be significant. Always read the policy wording carefully rather than relying on marketing materials or verbal assurances.

Common Exclusions and Limitations

Like most motor trade insurers, DNA Trade Insurance policies typically exclude or restrict:

  • Use of vehicles for purposes outside your stated trade
  • Drivers not listed or not meeting the age and experience criteria
  • Racing, rallying or other competitive use
  • Hire or reward (carrying passengers or goods for payment unless specifically covered)
  • Tools left in unattended vehicles overnight
  • Vehicles stored in unapproved locations or without adequate security
  • Losses resulting from faulty workmanship unless additional cover is arranged
  • Dishonest acts by employees unless fidelity insurance is included

If you offer specialist services like remapping or hybrid vehicle work, confirm these activities are explicitly covered. Standard policies often exclude modified vehicles or specialist work unless declared and accepted by the underwriter.

How DNA Trade Insurance Compares to Other Providers

DNA Trade Insurance operates in a competitive market alongside other specialist brokers and direct insurers. Key comparison points include:

  • Premium pricing relative to similar businesses
  • Flexibility in policy structure and optional extras
  • Claims handling reputation and speed of settlement
  • Availability of cover for non-standard risks
  • Quality of customer service and accessibility
  • Policy documentation clarity and transparency

No single provider suits every motor trader. Your specific circumstances, including your trade type, location, experience and claims history, will determine which insurer offers the best combination of cover and price. Always compare multiple quotes rather than accepting the first offer.

Our Expert, Michael Foote, Says:

“When comparing motor trade insurance providers like DNA Trade Insurance, do not focus solely on the headline premium. The policy wording, excess levels and specific exclusions can make a substantial difference to your actual protection. A cheaper policy with significant gaps in cover could prove far more expensive if you need to claim.”

What Documentation DNA Trade Insurance May Require

When applying for cover through DNA Trade Insurance, expect to provide:

  • Proof of trading (business rates, lease agreement, invoices or business bank statements)
  • Details of all drivers including licence information and claims history
  • Full description of your business activities and services offered
  • Information about your premises and security measures
  • List of tools and equipment requiring cover
  • Details of any specialist work or high-value vehicles you handle
  • Previous insurance history including any declined applications or cancelled policies

Keeping comprehensive records is essential not only for obtaining cover but also for validating future claims. Insurers can reject claims if you cannot demonstrate the circumstances or prove ownership of stolen items.

When DNA Trade Insurance Might Not Be Suitable

DNA Trade Insurance may not be the best choice if:

  • You are a complete startup with no trading history
  • You operate only part-time or as a side business
  • You have significant claims history or previous declined applications
  • You work exclusively from home without separate business premises
  • You require highly specialist cover for unusual activities
  • You need extremely flexible terms or frequent policy amendments

In these situations, approaching multiple brokers or using a comparison service may yield better results. Some insurers specialise in difficult-to-place risks or have more flexible underwriting criteria for non-standard applications.

Alternative Motor Trade Insurance Providers

If DNA Trade Insurance does not meet your needs, consider these alternatives:

Each provider has different underwriting criteria, pricing structures and coverage options. Your best option depends on your specific trade type and individual circumstances.

Making a Claim with DNA Trade Insurance

If you need to make a claim, follow these steps:

  1. Notify DNA Trade Insurance immediately, regardless of fault or claim size
  2. Gather all relevant evidence including photographs, witness details and police reports if applicable
  3. Complete claim forms accurately and thoroughly
  4. Provide all requested documentation promptly
  5. Maintain records of all communication with the insurer
  6. Do not admit liability or agree to any settlements without insurer approval

Delays in notification or incomplete information can result in claim rejection or reduced settlements. Understanding common claim mistakes motor traders should avoid can help ensure your claim proceeds smoothly.

Get Your Motor Trade Insurance Quote Today

Whether you are considering DNA Trade Insurance or exploring other options, comparing multiple quotes ensures you get the right cover at a competitive price. Every motor trade business has unique requirements, and the best policy for your circumstances may not be the cheapest headline premium.

Use the quote button at the bottom of this page to compare motor trade insurance from multiple UK providers. Quote Goat connects you with specialist insurers who understand your trade and can offer tailored protection for your business. Get your quote today and ensure your motor trade operation has the cover it needs.