Motor Trade Road Risk Insurance for SMEs
Smoothing the road ahead
Travelers’ motor trade road risk takes the time and effort out of arranging road risk only cover for small to mid-sized enterprise (SME) motor trade businesses. A dedicated team of experienced motor trade underwriters is available to help secure simple yet flexible cover. And the streamlined online process has capabilities to quote and bind so cover can be obtained quickly. With a range of extensions available, motor trade SMEs can easily satisfy bespoke road risk cover needs.
After cover is obtained, we continue to help keep things smooth and simple through specified case appointed claim handlers. With more than 30 years’ experience, Travelers has an offering of refined solutions for the SME motor trade sector.
Legal changes
Driver licence number requirements
Enacted 31 March 2025, anyone buying or renewing their motor insurance in Ireland must provide the Driver Number for any named drivers on their policy.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Vehicle sales
- Mechanical repairs
- Mechanical servicing
- Body repairs
- Auto electricians
We'll consider
We may need more information to confirm a fit.
- Part-time motor traders
- Non-mobile valeters
- Non-mobile windscreen fitters/ repairers (operating from purpose-built premises only)
- Non-mobile tyre fitters (operating from purpose-built premises only)
- Accessories fitters
- Vehicle assessors
- Agricultural vehicles (up to a maximum 20% of turnover)
We do not cover
Sorry, we’re currently unable to insure the following.
- Self-drive operators
- Fuel sales
- Vehicle breakers/dismantlers
- Recovery operators
- Vehicle deliveries
- Recovery agents/repossession
- Mobile servicing, repairs, valeting, fitting of accessories, tyres and windscreens
- Body builders
- Motor factors
Road risk for SME motor trade
We’re big on SME
Motor trade road risk is just one of the ways we’ve brought our specialist mid-market expertise to the SME space. Delivering the same comprehensive cover and outstanding service you’ve come to expect from us, it’s designed to suit the needs of smaller businesses.
With both the capacity and the product suite to partner with SMEs for the long-term, we can offer support from humble beginnings to bigger things.
And because we’re all about insuring ambition, you’ll always be confident that the growth mindset of you and your clients will be fully matched by our own.
Motor trade road risk covers & highlights
-
Core Cover
- Comprehensive, third-party fire and theft and third-party only covers available with limit of €30 million third-party property damage and unlimited third-party personal injury.
- Standard vehicle value limit of €90,000. Increases can be considered.
- Standard gross vehicle weight of 10 ton and up to 15 ton, if required. Further increases can be considered on request.
- Third-party only (TPO) accompanied demonstration, which can be increased to policy cover (if higher).
- Maximum no claim discount (NCD) up to six years; two year step back as standard.
-
Optional Cover
- Windscreen (comprehensive policies only) €350 per claim with no effect on NCD. Non deductible.
- Accompanied demonstration. Standard TPO cover can be increased to match policy cover if higher.
- Other business use cover available for certain second occupations.
Related products
Motor trade
For organisations that need vehicles to conduct business – whether owned, leased or hired – this insurance cover could minimise potential financial losses, liability and disruptions.
Mid-market & corporate motor trade
Thanks to our extensive history in the industry, we bring comprehensive offerings and claims services – including large loss expertise – to our motor trade covers.
SME motor trade
For motor trade businesses involving commercial and private vehicles, we’ve developed bespoke solutions in a combined package including specialist property, liability and road risks covers.
SME cyber
Whatever the size of a business, cyber security is vital. Our services, covers and expertise can mitigate cyber attacks and help prevent them.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
For brokers
Ready to chat?
Let’s work together to build the right cover for your client.
Available to eTrade on MyTravelers®.
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Have a new business idea? Contact our Schemes team.
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