Car Dealership Insurance

The Driving Force Behind Motor Trade Risk Management.

Car Dealership Insurance From AJ Insurance Services

Holding high-value motor asset stock, trading from a significantly sized property, and dealing daily with on-site customers exposes your business to risk — AJ Insurance Services’ Car Dealership Insurance works to safeguard your business from these threats.

Whether you operate from a substantial car showroom, modest garage forecourt, or even your home — we will deliver tailored protection that shields against the unique risks inherent to auto dealership operation in Australia.

Targeted Motor Dealership Insurance Coverage

Proudly one of the few insurance brokers specialising in insurance for car dealerships — AJ Insurance Services can deliver bespoke cover that addresses the particular needs, demands, and nuances of your operation.

Working alongside you, our proactive and highly focused approach means you receive the crucial cover your enterprise requires, not unnecessary or irrelevant protection — ensuring the ultimate in safeguarding while keeping premiums reassuringly cost-effective.

 When building your customised car dealer insurance, our experienced team of specialists consider:


Size of your dealership


Stock value and type — cars, trucks, motorcycles, agricultural, utes, RVs


Dealership format — high-end showroom, vehicle supermarket, forecourt, or home sales


Static or remote dealers


Business turnover


Physical or online trading


Business location


Additional retail — parts, accessories, and sundries


Full or part-time trading


New, pre-ordered, or used car dealer insurance


Road risks — staff and/or customers test-driving vehicles


Additional services — valet, carwash, repairs, and servicing

Contact Us Today for Targeted Motor Dealer Insurance

AJ Insurance Car Sales Insurance Extensive Cover

By delivering a tailored dealership insurance policy that addresses the risks particular to your business, our expert team reassuringly defends your stock, premises, livelihood, and reputation.

Depending on your requirements, preferences, and the intrinsic threats within your auto operation — our Car Dealership Insurance coverage can include:

✔ Theft, burglary, and money cover.

✔ Specified cover for premium, high-expense vehicles.

✔ Product and Public Liability up to an indemnity level of $20M.

✔ Vehicle demonstration protection.

✔ Business Interruption Insurance — including loss, additional costs, and salaries.

✔ Buildings, outbuildings, land, and premises.

✔ Plant, machinery, and equipment.

✔ Modification certifications.

✔ Electronic breakdown.

✔ Glass.

✔ Trade plates.

✔ Faulty workmanship.

✔ Audit fees.

✔ Office stock, contents, and electrical equipment.

✔ Hail insurance for car dealerships.

✔ Vehicle key security.

✔ Motor vehicle recovery.

✔ Test drives without a designated staff member.

✔ Marine cover — for parts and stock in transit.

✔ Personal, business, workshop and on-site customer vehicle cover.

Car Dealers Hail Insurance — Our Speciality

Theft, fire, and accidental damage — the three most commonly thought of threats when arranging dealership coverage.

But one of the least considered risks, and one of the most damaging — both to your business profits and its vehicle stock — is hail. Unpredictable, unexpected, and highly destructive — this natural phenomenon can ruin bodywork, break advertising boards, tear holes in canopies, and interrupt your business operation.

As experts in the vehicle sales sphere, AJ Insurance has become renowned for its action-orientated approach to motor retail safeguarding — and one of our keynote services is the provision of car yard hail insurance.

Addressing the gaps typically inherent in many motor dealer insurance cover policies — our targeted cover safeguards your vehicle profits, defends your business against downtime, and delivers welcome peace of mind.

Sydney alone experiences an average of ten hail storms every year — don’t allow your business to be negatively impacted by this common phenomenon.

Our difference from other brokers is our in-depth product knowledge — enabling us to tailor your policy in a manner that satisfies your budget, floor plan and coverage requirements. Not just through the use of the hail sub-limit, but also with risk management, diminished value allowance, and modern technology reinforcing our disruptive insurance products.


Rapid claim satisfaction — no complications with insurance adjusters


No deductibles through parametric insurance.


Tailored coverage — roof, vehicle, business interruption, and advertising options.


Customisation — choice of coverage tiers to suit your operation.


Reduce risk and protect your valuable stock.


Enable confidence and peace of mind.


Empower you to make informed decisions on your cover.

Don’t Let Hail Rain on Your Car Parade — Call AJ Insurance Services Now

Auto Insurance for Car Dealers — The AJ Insurance Services Difference

Whether you’re a part-time dealer selling used cars from your home driveway, or a franchised retailer offering luxury new vehicles from a massive showroom — AJ Insurance Services guarantees the ultimate in advice, professionalism, and focused cover.

As one of the few brokers specialising in this niche vehicle arena — we fully understand your complex and nuanced auto dealer insurance requirements. This enables us to provide the optimum in safeguarding for your enterprise, with premiums that will not heavily impact your bottom line.

Reassuringly proactive, we will work with you to identify risks and suggest tools to mitigate these inherent threats. And should a claim arise, we will strive relentlessly on your behalf to assist smooth and timely processing.

The right insurance at the right price.

Dedicated car lot insurance specialists.

Structure and focused policies to suit your dealership.

Competitive premiums.

Ongoing support — we’re with you for the long term.

Proactive risk management and claims handling.

A team with years of car dealership cover experience.

Car Dealers Insurance Cover FAQs

How Much Does Vehicle Dealer Insurance Cost?

The auto dealer insurance cost depends on numerous factors — including the type of vehicles you trade, your business size, and the intrinsic threats within your operation format.

AJ Insurance Services works alongside you, proactively addressing risk management and ensuring you have the cover you need — not what you don’t. This results in pleasingly affordable premiums while having a thoroughly defended business.

Can I Get Insurance for Used Car Dealerships?

Yes! It doesn’t matter whether you trade preloved or new vehicles — you can obtain cover to protect your motor stock and trading business.

Our policies are created to address the risk-shielding needs of your particular operation — these can include garage insurance for used car dealers, pre-owned car business interruption cover, and used car dealer liability insurance.

What Does Auto Dealer Insurance Coverage Include?

Motor trader cover from AJ Insurance Services is tailored to suit the needs of your business. Specialising in this field, we formulate policies that address the risks concomitant to your specific operation. These can include:

  • Car dealer liability insurance.
  • Motor retailer business interruption.
  • Hail cover.
  • Professional indemnity.
  • Theft and burglary cover.

What Is Dealership Liability Insurance?

Dealership General Liability Insurance is broad spectrum cover that shields your enterprise from third-party claims for injury, accident, or damage to personal property occurring as a result of your business operations.

Can I Get Insurance from Hail for Dealership Businesses?

Yes! Hail can lead to extensive damage to roofs, vehicle stock, advertising hoardings and canopies — as well as causing business interruption that damages your business profits.

AJ Insurance Services are specialist providers of hail cover for the motor trade industry — delivering claim satisfaction, tailored protection, and a variety of cover tiers.

Speak to the Experts in Car Dealership Insurance — Get Cover From AJ Insurance Today

AJ Insurance Services Affiliates