Complete Motor Trade & Headlight

For small to medium sized businesses with up to £3m turnover, our Complete Motor Trade policy offers the flexibility to pick and choose cover options and limits – ensuring competitive premiums for your clients. While certain options are included as standard, such as Commercial Legal Expenses, many others can be added only if desired, including Directors and Officers and Professional Indemnity.

For your clients that are members of the Retail Motor Industry Federation (RMIF) we can provide additional benefits through our Complete Headlight product.

Complete Motor Trade and Headlight

Complete Motor Trade Features

Where the relevant section is operative:

  • Portable hand tools cover (up to £10,000 limit with option to increase)
  • Commercial Legal Expenses cover automatically included
  • Access to optional Professional Indemnity and Directors & Officers cover
  • Money on premises cover (£1,500 with option to increase)
  • Property in transit (up to £1,500 with option to increase)
  • Vehicle contents (up to £1,000 with option to increase)
  • Occasional business use – third party liability cover for private cars owned or loaned to an employee
  • Uninsured Loss Recovery and Motor Prosecution Defence costs up to £100,000 per claim
  • Social, domestic and pleasure use for up to 7 named persons of your choice
  • Option to restrict business use to named drivers – with extra discount
  • Business Interruption cover extends to the Motor Vehicle Road Risks section
  • Book Debts, Suppliers, Supply Undertakings and Failure of Supply extensions apply automatically
  • Headlight: Additional covers as standard for Retail Motor Industry Federation members with the option to include Rectification cover.

Headlight Benefits

  • New-for-old cover is extended to include customers’ goods carrying vehicles up to 7.5 tonnes gross vehicle weight for Material Damage and Motor Vehicle Road Risks
  • Standard Personal Accident Assault and Victim Care benefits are doubled. Cover is also extended to include all work-related assaults
  • Personal Accident Capital benefits of £20,000 will be provided for all occupational accidents to Proprietors, Partners and Directors of the business
  • New vehicles in transit cover, under the Business Interruption Suppliers’ Extension
  • No inner limit for liability for customers' consequential loss or loss of use claims for Public and Products' Liability or Motor Vehicle Road Risks
  • NCD for the Road Risks Section will not be prejudiced following a Road Risks Incident arising from defective workmanship
  • In addition, there is an option to include Rectification cover for Material Damage, Motor Vehicle Road Risks, Public and Products' Liability.

Risk Appetite

Preferred Trades

  • Repair, service and MOT establishments
  • Accident repair centres
  • Motorcycle dealers
  • Engine and gearbox fitters
  • Dealerships
  • Tyre fitters
  • Auto electricians
  • Light commercial repairs.


  • Allianz Motor Insurance Database – website and helpdesk providing immediate access to vehicle data
  • FREE use of our award winning Risk Director website – with online risk improvement reports and a wealth of risk management guidance and information, including further details on our preferred suppliers
  • Case Analysis Tool - to help your clients pin-point where their businesses are most at risk
  • Premium Instalment Plans – subject to credit checks, we can offer flexible quarterly or monthly instalment plans to assist your clients’ cash flows
  • FREE Legal Expenses cover
  • Motor Legal Advice Line – providing 24/7 access to specialist legal advisors
  • eServices – allowing clients to manage their periodic engineering inspection reports online
  • Solaglas – 24/7/365 glass replacement service: clients only pay VAT and excess
  • Up to 66% discount on a range of breakdown services with The AA
  • Survey Teams – specialist risk management surveyors will visit your clients’ premises and offer free advice on the best methods of risk reduction
  • Allianz Partnership Plus – financial assistance towards the costs of implementing risk management initiatives
  • TRACKER Network UK (Ltd) – discounted products from the UK’s most successful stolen vehicle recovery system
  • Partnership with VUE – a provider of bespoke vehicle CCTV and telematics solutions.

Documentation for Complete Motor Trade and Headlight

To download copies of our Complete Motor Trade and Headlight policy documents, please click the links below:

General Documents
Document PDF Format Download
Motor Trade Solutions Broker Brochure
Complete Motor Trade Policy Wording
Complete Motor Trade & Headlight Policy Overview
Complete Motor Trade & Headlight Proposal
Motor Trade Solutions Client Brochure
Complete Headlight Policy Wording
Motor Trade Solutions Key Features and Benefits

Claims Features

  • Dedicated UK based Motor Trade Claims Team - single point of contact to manage the claim throughout
  • Recovery, protection and redelivery of the insured vehicle following an accident
  • Nationwide Allianz Approved Repairer Network – with five year work guarantee
  • Claims Business Consultants – providing access to a dedicated claims expert (for major clients)
  • Claims Tracking – keep track of your clients’ motor claims online
  • Beyond Economical Repair Team (BERT) – our in-house specialist vehicle valuation team will speed up the time it takes to deal with any total loss claims
  • Autoglass – windscreen repairs and claim reporting cards.

Contact Details

To find contact information for Motor Trade Select, Headlight, Complete Motor Trade and Complete Headlight claims, please visit Motor Trade Claims.

If you'd like further information on this product, or have a question regarding our services, please contact your local Allianz Commercial branch.

Risk Director

If you have a query regarding Risk Director, please complete the 'Contact Us' form found on the website.