Details of the work
Stock values, test-drive procedures and all related services.
Automotive businesses and dealerships · Business insurance
Car dealerships Insurance
Vehicle sales may involve inventory, demonstrations and financing-related activities.
Prepare your car dealerships insurance enquiry around the work you actually perform, the property you rely on and your customer agreements.
Start my business enquiry →No obligation to buy. A licensed provider confirms terms and availability.
Start with your car dealerships operations
Sales, repairs, storage, washing and towing expose a business to different responsibilities for customer vehicles. Declare each service and any driving of vehicles.
Related descriptions: Car sales, Used car sales. Explain which of these activities you actually perform.
A question to put to your broker
How are owned stock and customer or demonstration vehicles distinguished?
Prepare for your car dealerships quote
Your business records
Bring your legal business name, operating locations, revenue split, employee and subcontractor details, current policy and claims history. Identify changes planned during the coming year.
List services, premises, stored vehicle values, road testing, towing radius, sales or rental operations and staff access to keys.
Coverage questions to compare
Ask about garage liability, vehicles in custody, own stock, tools and commercial auto. Confirm how road tests and off-site work are handled.
Use the guides below to prepare questions, rather than assuming every section is required or included. A package name alone does not establish what is insured.
- Commercial auto insurance ontario →
- Cargo goods in transit insurance →
- Garage policy insurance spf 4 →
Keep proposals comparable
Use the same declared activities, locations and values. Compare limits, deductibles, exclusions, defence costs where relevant and the full policy term. Highlight contractual insurance requirements before you accept a proposal.
Discuss my coverage needs →Claims scenario: car dealerships
Hypothetical scenario
A vehicle is damaged during a demonstration.
Preserve the relevant agreement, photographs and incident records, and notify the insurer according to the policy instructions. Ask how the declared car dealerships activities, cause of loss and applicable exclusions affect the review.
Actual outcomes depend on the facts and wording. This example is not a promise that a claim will be paid.
Questions before you request car dealerships insurance
What can change the cost of my proposal?
The activity details, scale, locations, claims history and selected terms affect an individual review. For car dealerships, start with these details: stock values, test-drive procedures and all related services. A published example is not your quote.
What if I add another service?
Tell the provider before relying on cover for the new activity. Describe how it changes the operation and ask whether an endorsement or separate policy is needed.
How are owned stock and customer or demonstration vehicles distinguished?
Send the exact activity description and relevant contract to the licensed professional. Ask for the applicable policy sections and exclusions to be explained, and obtain confirmation of accepted activities and effective dates.
Take the next step
Bring this checklist to your insurance conversation. Submitting an enquiry does not bind coverage.
Start my business enquiry → Explore automotive businesses and dealerships →General information. Browse all business activities.
