We can cover any type of business from small independent traders to long standing large garages. Businesses and motor traders of all types with different circumstances and arrangements come to us. We can find you a policy that matches the way you do business.
With a great range of markets, and lots of experience in this area, we can help make sure you get the right Motor Traders Insurance.
We work tirelessly with a panel of the UK's best-loved insurers to offer you the best policy at the best price.
Road Risks - Car Valeters, Mobile Mechanics, Car Salesman who work from home, Tyre Fitters, Collection & Delivery Car Jockeys, Breakdown Recovery.
Motor Trade Combined - Dealerships, Repair Garages, Body Shops, MOT Centres, Petrol Forecourts, Motor Mechanics, Commercial Vehicle Centres.
There 2 main types of motor traders insurance you can get.
This is a type of insurance that covers vehicles in your custody or control whilst on the road. It’s available if you’re a full time or part time motor trader. You can add personally registered cars onto this policy too!
A combined motor trade policy is a more comprehensive option meant for those that have a premise and need to cover physical assets like buildings and contents too. This can cover forecourts, mechanic garages, body shops etc. A combined policy like this can also cover your employees and public liability insurance (which protects members of the public on your site). You can also cover against damage to customer’s vehicles in your care.
Comprehensive Cover protects against fire and accidental damage to the vehicle. Third party fire and theft excludes the accidental damage aspect. Or third party only cover is the minimum required by law, but won’t cover any damage to your own vehicle.
Traders Insurance can cover any vehicle you drive as long as the vehicle is notified to the insurer through the Motor Insurance Database.
The maximum value of a vehicle you can drive is always pre-agreed with your insurer. Make sure you discuss this point with your insurance company.
If you have employees in your business, you are legally obliged to make sure they are protected with Employees Liability insurance. You can add this onto your Public Liability insurance.
If you own a building used for any business, that you either rent out or operate from it yourself – we can help make sure it’s insured correctly and can be provided in a business insurance package.
Car insurance for a car that’s used for business purposes as well as social, domestic and pleasure. If you use your car for your work, this could be right for you.
If you give advice as part of your work, we can financially protect you for claims against your professional indemnity. Crucial cover for those in service industries, and professions who are paid for their advice and knowledge.