Motor Trade Insurance

Insurance designed for Australia's automotive industry.

Running an automotive business comes with unique challenges. Whether you operate a dealership, mechanical workshop, body repair business, tyre store or another automotive enterprise, you need insurance that understands your industry.

At OurAuto Insurance, we specialise in arranging insurance solutions for automotive businesses across Australia. Working alongside leading insurance provider Marsh, we help you find cover that reflects the way your business operates, so you can focus on your customers with confidence.

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Insurance built for automotive businesses

No two automotive businesses are the same, which is why your insurance shouldn't be either.

Motor Trade Insurance is designed to protect businesses against the day-to-day risks associated with servicing, repairing, selling, storing and handling motor vehicles.

Whether you're a sole operator or manage multiple locations, we'll help tailor an insurance solution to suit your business, your operations and your level of risk.

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Mechanical workshops

New and used vehicle dealerships

Panel repairers

Auto electricians

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Tyre retailers and fitters

Automotive service centres

Truck & Heavy Vehicle

Insurance solutions available

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OurAuto Insurance can arrange a wide range of insurance options to help protect your automotive business.

Public & Product Liability

Protect your business against claims involving personal injury or property damage caused to third parties. This cover can also assist with legal defence costs where applicable.

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Machinery & Electronic Equipment

Modern workshops rely on sophisticated equipment.

Insurance can help cover workshop machinery, diagnostic equipment, computers, point-of-sale systems and other essential technology against insured damage or breakdown.

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Professional Indemnity

If your business provides professional advice or specialist services, Professional Indemnity Insurance can help protect against claims arising from errors, omissions or negligence.

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Money Insurance

Protection for business cash held on-site or while being transported to the bank, helping minimise financial loss following theft or other insured events.

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Property Insurance

Safeguard your premises and business assets including buildings, workshop equipment, stock, contents and fittings against insured events such as fire, storm and accidental damage.

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Business Interruption

If an insured event temporarily prevents you from operating, Business Interruption Insurance can help cover ongoing expenses and loss of income while your business gets back on its feet.

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Customer Vehicle Cover

Your customers trust you with one of their most valuable assets.

Customer Vehicle Insurance helps protect vehicles while they're in your care, including accidental damage, theft and incidents occurring during servicing or authorised test drives.

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Cybersecurity insurance

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

Every business is unique.
OurAuto Insurance will help you build the right cover for your individual needs

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Common risks facing automotive businesses

Every automotive business faces different challenges, but some of the most common include:

✔ Damage to customer vehicles while in your care

✔ Theft of vehicles, tools, equipment or stock

✔ Workshop fires or storm damage

✔ Mechanical or electronic equipment failure

✔ Public liability claims

✔ Faulty workmanship allegations

✔ Business interruption following an unexpected event

✔ Property damage affecting daily operations

"The OurAuto team took the time to understand how our workshop operates rather than offering a generic policy.

They explained everything clearly, found us excellent cover and made the whole process straightforward. It's reassuring to have specialists who genuinely understand the automotive industry."

— CUSTOMER, MELBOURNE VIC

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Why choose OurAuto Insurance?

Automotive specialists

We understand the automotive industry because it's our focus. Our team works with automotive businesses every day and understands the risks unique to your business.

Tailored insurance solutions

Rather than offering a one-size-fits-all policy, we work with you to understand your business before recommending suitable insurance options.

Claims support when you need it most

Making an insurance claim can be stressful. Our team will work alongside you throughout the claims process, helping liaise with insurers and keeping you informed every step of the way.

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Backed by industry expertise

As the retail insurance broker, OurAuto Insurance partners with Marsh, one of Australia's leading insurance brokers, providing access to extensive insurance market knowledge and broad insurance solutions.

Trusted by the automotive industry

From independent workshops through to large dealership groups, we help automotive businesses arrange insurance designed to protect what matters most.

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Protect your automotive business with insurance tailored to the way you operate. Our specialists will take the time to understand your business and provide a personalised quote, with no obligation and no confusing jargon.

Request your free quote today and discover how OurAuto Insurance can help protect your business.

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Have a question?

Contact Us

Phone:  1300 687 288

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This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

LCPA 23/127

*Interest and additional fees will apply.