Car Dealership Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Car Dealership Insurance

Since 1982, we have supplied specialist insurance and risk management solutions to car dealerships across the country. No matter what sort of car dealership you are running, you can depend on us to provide expert advice and cost-effective insurance solutions to suit your needs.

What is car dealership insurance?

Car dealer insurance is specialist cover for car dealerships of all kinds. This dedicated cover can protect your business against the unique risks associated with buying and selling new and used cars.

Get a quote

Who needs car dealer insurance?

Anyone who buys and sells new or used cars, at whatever scale, should get specialist car dealer insurance. Whether you are a:

  • Part-time trader working locally
  • A national network of large dealerships
  • Selling new or used cars

Dedicated car dealership cover will help you manage and mitigate the many risks you will face.

What does car dealership insurance cover?

Car dealership insurance covers some of the common risks faced by car dealers. Core areas of cover include:

  • Road Risk – This will cover you to drive vehicles you do not own as part of your work, including customers’ vehicles, and any vehicles you are buying or selling.
  • Contents and Stock – This will cover your stock of new or used cars, along with any equipment or machinery you use as part of your business, against loss, damage, or theft.
  • Public Liability Cover – If any customers or other members of the public experience loss or damage on or around your business premises, this will cover any legal fees and compensation payments that may arise.
  • Employer’s Liability Cover – If you employ any staff, then you have a legal obligation to get employer’s liability cover. It will cover any claims made by your staff related to on-the-job accident or injury.
  • Buildings Cover – This will cover your business premises against damages from fire, flood, theft, vandalism, and other events.
  • Cyber Insurance – Cybercrime is a major risk for all businesses. Specialist cyber insurance can cover the expenses associated with responding to, and recovering from, a cyberattack.

How much does car dealership insurance cost?

The cost of the insurance premium for car dealerships depends on a number of factors, including:

  • The size of your business
  • Locations
  • Types of vehicles you sell and their value
  • Security measures you put in place
  • Level of cover

We can work with you to tailor a policy that fits your needs and budget.

Why choose James Hallam for car dealership insurance?

We are an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who are committed to protecting your business. We will take the time to get to know you and your car dealership business. This will help us understand the unique risks you face, so we can tailor a bespoke car dealership insurance package to give you the cover you need at a price you can afford.

We are here to help you.
Call us on 03330 384 058 or email motortrade@jameshallam.co.uk

Testimonial

After our previous insurer refused to cover a commercial property we had recently refurbished, we had to look at other options.

Following a recommendation from IMDA member, we contacted Andrew Ellis from Flectcher Smith Insurance Brokers. Andrew came and carried out a site assessment on both of our properties. We sat down and went through a detailed audit to make sure all needs and demands were accurately met.

The quote fell well within our expected renewal budget! A real positive for me is the confidence I have in the broker and insurance company knowing our business inside out.

New Client

Other business solutions

Corporate

Event Sector

Healthcare & Protection

Hospitality & Travel

International Business

Local Council

Marine

ProMed

Professional Risks

Public Sector

Real Estate & Construction

Risk Management

SME

Vehicle Dismantlers

Latest Insights

Supporting Friends of Horsey Seals: A Collaborative Approach to Specialist ATV Insurance 1369 672 James Hallam

Supporting Friends of Horsey Seals: A Collaborative Approach to Specialist ATV Insurance

A Heartwarming Partnership in Action We’re delighted to share a heartwarming story that perfectly captures what can be achieved when…

read more
Beach Hut Fires: Common Causes and How to Reduce the Risk 1000 648 James Hallam

Beach Hut Fires: Common Causes and How to Reduce the Risk

Reports of beach hut fires often make the news. For example, in May 2025, firefighters in Bournemouth responded to a…

read more
Claims Made vs Occurrence Policies – What You Need To Know 1000 527 James Hallam

Claims Made vs Occurrence Policies – What You Need To Know

Insurance policies can be written on two bases: Claims made, or claims occurring. It is important to understand the terms…

read more
What is Stock Insurance and How To Choose The Right Level of Cover 1000 667 James Hallam

What is Stock Insurance and How To Choose The Right Level of Cover

Stock insurance is essential cover for retailers and warehouse owners. In this post, we will outline what stock insurance is,…

read more
How To Protect Hotel Businesses From Theft 1000 667 James Hallam

How To Protect Hotel Businesses From Theft

Theft can be a major problem for hotels. Any losses may seem small at first, but the costs can quickly…

read more
How To Reduce Shop Insurance Costs and Minimise Claims 1000 667 James Hallam

How To Reduce Shop Insurance Costs and Minimise Claims

In recent years, the cost of insurance has risen for all UK businesses, including retailers. In this post we will…

read more
Start Typing