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What is Motor Trade Insurance?
Motor trade insurance provides cover for all types of motor trade businesses from part-time traders requiring road risk only, to full garage risks (traders combined).
We can offer cover for a wide variety of activities including car valeting, breakdown and recovery, motor mechanics and car traders offering vehicle sale or servicing.
What does Traders Insurance cover?
At the heart of any trade policy is road risk cover, providing cover for your own and customers vehicles. Road risks cover can also be extended to provide demonstration cover which allows potential customers to test-drive vehicles on public roads. If you provide temporary vehicles such as courtesy cars or own a recovery truck, we can include these in your policy.
If you own or operate from rented premises, you will also need protection for vehicles at your garage or forecourt for risks such as fire, theft or vandalism (stock of vehicles). In addition, you can cover contents, machinery, vehicle ramps, tools and materials.
What limit of cover do I need under my road risks?
Most road risk policies carry a limit of indemnity (for example, £10,000 or £15,000 etc.). This limit is the maximum amount the insurer will pay for an Own Damage, Fire or Theft claim – for example, you are driving a car valued at £15,000, but cover under your policy is limited to £10,000. In this scenario, the insurer will only pay up to the limit.
You should select your limit carefully in line with your specific business requirements and the vehicles you may drive.
Compare Motor Trade Insurance quotes
Insync is one of the UK’s leading business and motor trade insurance brokers. Our UK team of trade cover experts have access to the UK’s leading motor trade insurers including AXA, Aviva, Allianz, Covéa and NIG.
Our specialist team will take the time to understand your specific requirements and compare motor trade quotes, helping you find the right policy at the right price.
Do I need Public Liability cover for a Motor Trade Business?
As a business owner, you should be looking at specific types of liability cover. Other than Employers’ Liability, which you may be required to have, one of the most popular policies is Public Liability.
Public Liability covers you for claims of third-party injury, illness or property damage at your business premises and beyond.
Can I drive any vehicle under my policy?
Commonly, a Motor Trade Insurance policy will often exclude certain types of vehicle, typically higher group or performance vehicles.
A full list of any excluded vehicles will be made available at point of quotation. However, you will usually be able to obtain cover to drive third-party vehicles as part of your business insurance.
I’m a part-time Trader. can you cover my other businesses?
Insurers appreciate that some traders will also use their vehicle for other business purposes.
With this in mind, you may add additional business use – for example; if you are a carpenter and need cover to drive your van to travel to client sites or suppliers, we can extend your cover accordingly.
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Why choose insync for Motor Trader insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Motor Traders throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!