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Motor trade insurance

We’ve been servicing the New Zealand motor trade sector for more than 30 years. Let us put our experience to use for you.

Cover we can arrange

Public and product liability

Defend your business against third-party accidents and costly legal fees – and help protect yourself, your employees and your clients. When you need to make a claim, our team will work to help get you a fair outcome fast. We’re with you every step of the way.

Professional indemnity insurance

Does your motor trade business offer advice or a service to customers? Professional indemnity cover can help protect you against allegations of errors or omissions, breach of duty, or negligence. It can even cover legal expenses and financial losses incurred by your clients.

Machinery breakdown and electronics

Get covered for material damage to your electronic equipment – and help prevent a technical mishap from crashing your business. Material damage insurance can also cover assets such as buildings, fittings, contents and stock.

Customer motor vehicle

Your customers’ cars are in good hands. Customer motor vehicle cover is added protection – for you and them. It can cover damage, theft, and even test-driving accidents that occur on your property. Your clients will thank you. And so will your bottom line.

Money cover

This covers your business’s money while it’s on your premises – inside and outside of business hours. If a thief makes off with your money, or if something goes awry while you’re taking cash to the bank, money cover can help you get it back.

Property insurance

Property insurance isn’t limited to real estate. On top of covering fines imposed for accidentally breaching a law, it can help cover your business and your business assets – buildings, contents, stock – for physical loss and damage. If it’s on your premises, we can help cover it.

Why should I consider insurance for my motor trade business?

The financial strain of an accident or claim may be the straw that breaks your business. 

But you can help prevent that – by understanding your business risk exposures and having the right insurance in place.

Some everyday risks your motor trade business could face include: 

  • Allegations of faulty workmanship or installation to customer vehicles

  • Damage or theft of vehicle stock, parts, mechanic tools and equipment

  • Unforeseen mechanical and machinery breakdowns 

  • Natural disasters and wide area damage.

female mechanic working on car engine

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers has spent years at the forefront, supporting business owners to manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology. 

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Award winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year 2022 and 2023 at the New Zealand Insurance Industry Awards

Tailored expertise

Marsh brokers are experts in your industry and can arrange an insurance solution unique to motor trade risk exposures and needs.   

Decades of expertise

Our dedicated brokers have been supporting motor trades clients for more than 30 years. But their industry knowledge goes far deeper. With many years of collective expertise, our broking team can pinpoint your needs – and arrange cover that addresses your most pertinent risks.

Additional cover we can arrange

Product and services

Business interruption

Help your motor trade business recover after an unexpected, significant property loss – like a shutdown due to a fire or storm.

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Product and services

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

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Product and services

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

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Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price. 

female insurance broker talking to clients

Frequently asked questions

Yes. We can arrange funding for your premium payable in monthly instalments* provided your business meets certain criteria.

Contact us to set up monthly payments for your premiums.

The answer depends on how often your business changes.

As a rule of thumb, we recommend you review your policy at least once a year. This will ensure your business’s current risk exposures are covered.

But major changes – like business growth, greater work complexity or expanded services – should always prompt an insurance review.

Some insurers need to know about certain changes in accordance with your duty of disclosure. If your business has changed recently, contact the Marsh motor trades team to update your policy.

The cost of your motor trade insurance will depend on several factors – including your business size, revenue and services provided. 

For advice specific to your business, you can request a call back to speak to a Marsh advisor.

A motor trade policy can cover for: 

Have another concern? We can always arrange insurance to suit the specifics of your business.

The types of motor trades clients we can service are ever-expanding. We can cover:

  • Auto electricians

  • Mechanics

  • Tyre retailers and fitters

  • Panel repairers.  

Related insurance solutions

slected option

Auto electrician

Accidents happen – even to experienced electricians. Let us arrange your insurance to help keep you safe from losses and liabilities.

Car dealer insurance

For car dealerships, theft and damage are pertinent risks. Help protect yourself from financial loss with insurance arranged by Marsh.

Mechanic insurance

There’s no quick fix for financial losses. Get coverage for accidents, errors or negligence with insurance arranged by Marsh. 


Panel beater

Panel beating is a hands-on job. Mitigate risks of damage and financial loss with tailored insurance – arranged by Marsh.

Tyre dealer insurance

Damage, theft and defective tyres can bog any tyre business. Keep the wheels spinning with insurance arranged by Marsh.

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Commercial property insurance

Let Marsh arrange your commercial property insurance policy to help protect your business’s buildings, contents, and more.  

Business insurance

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.


LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request. 

*Interest and additional fees will apply.