Compare Car Transportation Insurance
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Why compare Car Transportation Insurance Quotes Via MultiQuoteTime?
If you drive vehicles you do not own as part of your business, you will need a motor trade insurance policy to ensure you have at least the legal minimum required coverage.
Finding the right motor trade business insurance policy to match your business model can be time-consuming. Accessing multiple quotes can help reduce stress and save you time.
Finding and comparing the latest deals available in the insurance marketplace is fast and simple with our partner, Quotezone. The online quote process is designed to be quick and simple, allowing you to compare results using smart filters to narrow down your hunt for the best deal online.
Guide To Vehicle Transportation Insurance
Vehicle transportation insurance, sometimes called car transportation insurance, is a type of motor trade insurance that protects businesses that move cars from one place to another. This insurance policy differs from standard car insurance and offers specialised coverage against loss, damage or liability claims that may arise while vehicles are in transit.
As a vehicle transporter, goods in transit insurance is essential because of the risks associated with your time on the road and the high-worth cars you move across different locations. This type of insurance is suitable for anyone in the motor trade industry and may require additional cover options like employer’s liability, which will depend on the nature and size of your business.
Understanding Car Transporter Insurance Costs
The cost of car transporter insurance varies significantly based on your individual circumstances. Multiple factors influence your premium, and understanding these can help you make informed decisions when comparing quotes from different insurers.
Business Type & Experience
Years of trading, full-time vs part-time operations, annual turnover, and number of employees all influence how insurers assess your risk.
Vehicles & Mileage
The number and value of vehicles you transport, whether single or multi-car transporter, plus your annual mileage affect your premium.
Driver Experience
Driver age, years of experience, driving record, professional qualifications, and claims history in the last 5 years impact pricing. Under 25 motor trade insurance is also available, though younger drivers typically face higher premiums. Motor trade insurance with convictions is still available but expect to pay higher premiums.
Coverage Level
Third-party only, fire & theft, or comprehensive coverage each have different price points. Additional options like goods in transit also affect costs.
Security Measures
Tracking systems, alarms, secure storage facilities, and CCTV can influence how insurers view your risk profile.
Location & Storage
Where your business operates, where vehicles are stored, and the areas you transport to all factor into risk assessment.
Factors That May Help Manage Your Insurance Costs
While we can’t guarantee savings, these factors may be viewed favorably by insurers when assessing your premium.
Pay Annually
Paying your premium in one annual payment can unlock discounts that are not available with monthly instalments.
Select Drivers Aged 25+
Younger drivers are considered higher risk and attract higher premiums. Where possible, choose drivers aged 25 or over with clean driving records.
Improve Your Security
Installing security locks, alarms, and CCTV on your premises or vehicles helps reduce risk and may lower your insurance costs.
Choose the Right Policy
Select only the level of cover and optional extras you genuinely need to run your business, avoiding unnecessary costs.
Compare Quotes
Research multiple providers or use an Insurance Price Comparison Site to find policies that best match your business needs at a competitive price.
Get Personalized Quotes Based on Your Business
Every car transporter business is unique. The best way to understand your specific costs is to compare personalized quotes from multiple insurers. Our free comparison service takes your individual circumstances into account.
Compare Quotes NowWhat risks are covered by car transporter insurance?
If you are in the Motor Trade or the Vehicle Recovery trade dealing with the transportation of vehicles then having appropriate and low cost Motor Trade Goods in Transit insurance is vital to protect you.
Most insurance providers allow you to tailor your policy to suit your unique business needs. Although coverage varies by provider, when choosing your car transport insurance policy, look out for features like:
There are two forms of liability insurance: public liability insurance and employers’ liability cover. Public liability insurance offers financial coverage for compensation payouts and legal fees if you receive a liability claim from a member of the public. On the other hand, the employers’ liability insurance covers the costs associated with illness, damages and death caused to your employee due to the services they render to you.
Particularly, road risk insurance insures you and your employees from losses that may arise from driving a vehicle that doesn’t belong to you during business activities. It is required by law for every vehicle transporter.
If you need car coverage as they are being loaded or unloaded from the vehicle that transported them, then loading and unloading insurance is for you.
You can go for personal item insurance to protect the driver’s personal belongings that may be damaged or lost during work activities.
To get compensation for your business items that get stolen, lost or damaged during the job, go for this kind of insurance. Items eligible for replacement may vary with different insurers, but the common ones are straps, webbing straps, ropes, trailer curtains and tarpaulin.
This is also called GIT or freight liability cover. It offers protection for damages or losses that may happen to the transported vehicles.
For vehicle transporters who store cars before, during or after transporting them, this insurance policy will protect against loss, theft or damage
This protects your business premises (office, yards, garages) against flood events, vandalism, and fire. You may also include content cover to insure office items and other valuables within the premises.
If your business stops operating because of events out of your control, this insurance offers financial assistance for lost income.
What level of car transporter insurance do I need?
There are three standard cover levels, which include:
- Third-Party Only: Covers damage you cause to other people or their property during vehicle transportation.
- Third-Party, Fire & Theft: Includes Third-Party Only cover plus protection if your vehicle is damaged by fire or stolen.
- Comprehensive: Provides the highest level of cover, including Third-Party, Fire & Theft plus protection for your own vehicle, repairs, and replacements.
What you will need to get Vehicle Transportation Insurance quotes at MultiQuoteTime
To ensure you can quickly receive multiple motor trade insurance options, please have the following information ready:
Frequently Asked Questions
- Updated: 27 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert