Close Up Of Mechanic Working Under a Car Bonnet

We’re in it together

Our sole focus is on you and your business.
We have been insuring businesses across the South West for more than 115 years.
We are a team of insurance experts that are part of your local community, and we strive to understand and provide answers to your needs, concerns and issues.
Together, we provide trusted tailored insurance that’s right for you and your motor trade business.

Our commercial motor trade insurance provides:

  • Road Risks cover which provides comprehensive cover to you and your employees for driving your business vehicles or your customers vehicles when in your custody for motor trade repair and servicing
  • A minimum of £5 million Public and Products Liability cover to protect you if the business is found to be at fault for an injury suffered to a member of the public or damage to their property, including liability for defective workmanship arising from vehicles worked on by your business
  • £10m Employers Liability to protect you if you are found to be at fault for an injury suffered by an employee
  • Comprehensive cover for your buildings, machinery and contents, stock in trade including stock of vehicles for sale or in your custody for repair together with the option to cover goods in transit
  • The option to include Business Interruption to cover loss of profit resulting from an insured event at your premises, such as a fire or storm.

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.  

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.  

Frequently asked questions

Who should we contact in the event of a claim?

Our Member Services Team on 01872 277151.

The premium is competitive but what are you like when it comes to paying claims?

We are conscious that when a claim arises our members are often financially affected. We aim to deal with all correspondence within 5 days of receipt and when a claim is agreed we aim to make the payment within 24 hours. Receiving payment is usually determined by the method of payment and so payment may not actually be received for a few days if by cheque or 24 hours if by BACS.

Do you underwrite your own policies?

Yes.  However, we also partner with third party organisations, including ARAG who provide our underwriting for breakdown and home emergency and Liberty for the Environmental Damage cover add on.

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