Torque Bike Motorcycle Trade Insurance is designed for motorbike businesses of all shapes and sizes. Whether you run a multi-location dealership or you’re a sole motorcycle trader, we can help you arrange the protection you need. With a range of different options on offer, we’ll tailor your Motorcycle Motor Trade Insurance to your business.

    • Wide unaccompanied demonstration options
    • Rider training cover
    • Low claims rebate available
    • 2.5%-interest direct debit options available*

What is Motorcycle Trader Insurance?

Motorcycle Trader Insurance offers comprehensive insurance cover for all kinds of motorcycle motor trade businesses. This means that it includes more than just Road Risk cover, ensuring that you are protected against the diverse risks that could impact your motorbike business.

How does Motorcycle Trade Insurance work?

It is different from standard Motorbike Insurance. A Trade Insurance policy will protect the motorcycles in your care for loss, damage and theft. But it can also be tailored to protect your buildings, such as your workshop or showroom, your employees, equipment and the unique liabilities linked to your business.

When you get in touch for a Motorcycle Motor Trade Insurance quote, a member of our experienced team will get to know you and your business to help you get just the right cover you need. 

Why Choose Us For Motorcycle Trade Insurance?

Because we're passionate about motorcycles. We have owned, ridden and enjoyed life on two wheels, just like you. 

The Torque Bike team also has a wealth of knowledge when it comes to handling motorbike businesses, with more than 20 years' combined experience working within the industry. Having come into contact with motorcycle dealerships and associated businesses along the way, we know the risks you face and will work with insurers to tailor Motorcycle Trade Insurance policies to your specific needs. 

This is why we are supporting the automotive industry charity, Ben. We care about the motorcycle and motor trade sector and its people, and by fundraising for Ben, we can support their services for past and present employees.

Torque Bike also has the cover to protect your motorbike trader business and we can even arrange a 30% uplift on your stock sums insured during peak trading seasons, to guard against underinsurance.

And if something does go wrong, we'll help you put it right. Our experienced in-house Claims team is on hand to help you get back on your feet as quickly as possible, keeping disruption to a minimum. 

Our results speak for themselves, with 96.6%** of our motorcycle trade customers staying with us at renewal time.

Want to know more? Get a quote today. 

Why do I need Motorcycle Trade Insurance?

A motorcycle business can encompass a lot of different activities. For instance, you may have potential buyers wanting a test ride, or perhaps you are running a course that teaches people how to ride. You may also need to hop on a motorcycle from time to time to check it after repairs. 

Your motorcycle trade business could also have a number of assets it needs to protect. For example, you may own premises from which you run your business, which could be stocked with tools and other equipment. 

In addition, you could be responsible for other people. You may have employees, or need to have protection in place for members of the public. 

All of these different aspects of a motorcycle business can be covered by Motorcycle Trade Insurance, which will help to protect you, your reputation and your organisation. Without it, you could open yourself up to expensive claims and legal action.

What does Motorcycle Trade Insurance cover?

Motorcycle Trader Insurance can be tailored to meet your individual motorcycle business’s needs, but it can include the following:

Employers’ Liability Insurance

If you employ anyone within your motorcycle trader business, you are legally required to have Employers’ Liability Insurance. It will provide financial protection should an employee claim that they were injured or made ill while carrying out work for your motorcycle business. 

Public Liability Insurance

Public Liability Insurance will financially protect you if a customer or other third party claims that they are injured or their property has been lost or damaged as a result of your motorbike business.

Road Risk Cover

It’s possible that you may need to ride a motorcycle that you don’t own, perhaps to test it or to ride it to another branch of your business. If so, this will cover you for the journey. This policy can also include accompanied and unaccompanied demonstration cover so that your customers can road-test motorcycles before buying.

Rider Training Cover

If your business offers motorcycle learners courses, having specific cover in place to cover learner riders and your employees for training them will be an essential component to your tailored Motorcycle Trade Insurance.

Buildings Insurance

If you own your motorcycle trade premises, you can protect it against events such as fire, flooding or malicious damage with appropriate Buildings Insurance.

Stock or Contents Insurance

If you have other vehicles on your premises, tools, parts or other equipment needed to run your motorbike trader business, Contents Insurance will financially protect you should they be damaged, lost or stolen.

Material Damage Insurance 

This insurance will provide protection for business-critical buildings, contents, stock and vehicles should there be an unforeseen event, such as a storm, flood or fire.

Transit Cover 

This provides cover for motorcycles (or parts) that are lost, stolen or damaged while in transit. It includes up to 4 motorcycles in transit as standard.

Product Liability Insurance 

If you sell a part or provide a service that later proves to be defective, this will provide you with financial protection. This cover also includes defective workmanship should you manufacture your own products or provide motorcycle repair services.

Motor Trade Risks 

This provides cover for vehicles when they are driven or ridden on public roads for business purposes. The policy can cover multiple locations and employees and you can choose from comprehensive, third-party, fire and theft, or third-party only. Windscreen damage is included with comprehensive policies. If you run a training centre, rider training can also be added to your policy.

Wide Unaccompanied Demo Cover 

If you offer your customers test rides, this cover will protect you should something go wrong. It’s suitable for riders with A or A2 licences, and those who have held an A1 licence for more than one year. The licence must be issued by the DVLA.

Can I get Motorcycle Trading Insurance to sell spare parts?

Yes, you can get Motorcycle Trading Insurance to sell spare parts. However, second-hand safety-critical parts will be excluded. This is because these have more risk attached to them. It can be difficult to establish where a used part came from, which means the liability will be placed on your motorcycle business should something go wrong.

Can Torque Bike’s Motorcycle Motor Trade Insurance cover the use of other vehicles?

Yes, of course! 

We know that many motorcycle trading businesses also use company vans and cars in their operations. Our Torque Bike Motorcycle Business Insurance can therefore be extended to include those vehicles where required, along with a limited number of director-owned vehicles if they are used in connection with the business. 

Can Motorcycle Business Insurance cover the cost of my inventory?

Our Motorcycle Business Insurance can certainly provide protection for your business’ inventory. 

With Torque Bike, you can rest assured that your stock is fully protected. And if the worst happens, you will receive the market value price for any motorcycles that are lost, damaged or stolen.

Who is covered to drive on Motorcycle Trade Insurance?

This depends on the level and type of Motorcycle Business Insurance you have. When you take out your policy, we will chat to you about how many drivers you would like to insure. We can then put together a policy that covers these specific drivers.

If you would like to remove or add drivers over the course of your policy, you simply need to get in touch and we will make the necessary adjustments. 

How Much Does Torque Bike Insurance Cost?

The price of a Motorcycle Trade Insurance policy varies depending on the type of business you run, its size, your operations and a wide variety of other factors. Give us a call today for a bespoke quote. 

What Our Customers Say

*6.4% APR Representative, subject to approval

** Based on policies renewing in the period 1.6.21 - 31.5.22 (excluding businesses that ceased trading.)