Motor Trade Insurance Quote
If your business buys, sells, repairs or modifies vehicles then we can source a tailored insurance policy for you. Get a motor trade insurance quote from us today.
Call us on 0800 542 2740 to speak to one of our specialist advisers or click below to fill in the short form for a quick price.
🟧 Exclusive rates from leading insurers
🟧 Expert knowledge and advice
🟧 Platinum standard service
🟧 Great value motor legal cover
🟧 Free accident management service
Why Choose Plan Insurance Brokers?
At Plan, we specialise in Motor Trade Insurance. Our experience has allowed us to streamline numerous insurer’s risk presentation forms in to one question set, meaning we can provide you an instant online quotation. We have the knowledge behind us to create a bespoke policy for you, that suits your exact requirements.
Let us know the needs of your business, we will use this information to provide a bespoke quotation at a competitive premium with our panel of industry leading insurers.
Package Policy
This combined package can cover you for all different aspects of your business including damage to property, stock, money held on site as well as liabilities.
Easy To Deal With
Whether you are looking for new or used car dealership insurance, we can help.
Fuel Your Business
A road risk policy can cover your day to day business motoring, whether you are driving vehicles from a client’s house to your workplace or carrying out a sale.
Valeters Insurance
Full-time or part-time valeters, we can arrange a bespoke cover to suit your needs.
WHAT’S AVAILABLE
ROAD RISK
We’ve been selling road risk policies for over 25 years, and we can tailor your insurance to your precise needs.
MOTOR TRADE COMBINED
A motor trade combined policy can pull together all the different insurance types you may need into one.
MECHANIC
Part-time or full-time, home, mobile or from garage premises, our mechanic cover can be tailored to suit you.
CAR DEALERS
Whether you sell cars part-time from your home or have a large forecourt, we can source the right policy for your business.
VALETERS
Understanding your needs as a valeter allows us to tailor a policy to cover yourself and your business.
PART-TIME TRADERS
This cover is necessary for any business owner who deals with car repairs, maintenance or sales on a part-time basis.
How does motor trade insurance work for start ups & new ventures?
Instant Online Quote
Click below to visit our online quote form for a quick Motor Trade Insurance price.
No Claims Bonus (NCB)
A discount to a premium offered to an insured person by an insurer where no claims have been made by that insured. This is very common in motor insurance. However no claims bonus is lost entirely if you claim on a motor trade policy (i.e. there is no stepped reduction)
What is a vehicle indemnity on a road risks insurance policy?
A vehicle indemnity is the maximum amount the insurers will pay out on a claim for a vehicle in your custody or control. You need to set your indemnity limit at a value that you think will cover the maximum value of any vehicle you will need cover for. It’s important to remember that on a motor trade policy you will only be paid trade value for your own vehicles. This figure does not relate to the amount the insurers will pay out on third party damage.
Drive any vehicle for motor trade use
You are covered to drive any vehicle in your ownership or your custody or control for motor trade purposes. For example, if you are a mechanic and you are driving your brother’s vehicle for testing purposes whilst resolving a fault, you will be covered. If you are driving it to the beach for the day, then you will not.
How can I add my vehicles to the MID?
Depending on which insurance company we place you with the updates are either done via our online MID Update Form or directly on your insurer’s website. You will receive login details for this once your policy is set up. Updates can also be done via e-mail to us. We try to avoid updates over the telephone as mistakes are more likely to occur and accuracy is vital. You can check if your own vehicle is showing on the MID via this online MID search tool.
Your Insurance Solution
Plan will arrange quality protection at a highly competitive premium. Our expert team keep your insurance simple. See their outstanding reviews.
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“Customer service is 10/10 communication is 10/10 plan have been my broker for many years now and cant fault them in any way”
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“Very friendly, helpful and genuine, must be good as I’ve just realised I’ve been with them for 17 trouble free years and its flown by.”
How to claim on your motor trade insurance?
Certain insurers will reduce your excess should you notify them of any incident immediately. Please refer to your policy wording for more information.
Following a road traffic incident you are advised to:
- Get to a safe place before exiting your vehicle.
- Carefully take photos of the damage to both vehicles and accident location.
- Take details from witnesses who may have seen the accident as it happened.
- Exchange details with any other party involved… Vehicle Registration, Name & Telephone Number are most important.
- Call the claims line on 0333 003 0613 as soon as possible.
Help is on hand
A dedicated call handler will assist you with the following:
- Taking details of the claim over the phone.
- Vehicle recovery and storage.
- Liaising with your insurer and third party insurers.
- Non fault replacement vehicle provision.
- Managing your vehicle repair with courtesy car provision.
- Dealing with any total loss payments.
- Assisting in any injury claim arising from the accident.
- Replacement vehicle costs.
- Avoiding excess payments in event of a non-fault accident.
- If you don’t have a motor legal expenses policy, we can provide a “no win, no fee” agreement in the event of a Non Fault Accident.
- Reimbursement for loss of earnings.
Plan Insurance Brokers full Claims Management service is in partnership with Lemonaid Motor Legal Ltd.
More useful motor trade information:
MOTOR TRADE FAQ
Motor trade insurance is an umbrella term used to explain a range of insurance policies, designed to cover those who earn a living in the automotive business.
Specialist policies from Plan can provide cover for any business that is involved with cars, motorbikes and vans. This includes:
If you manage a motor trade business, you will have to take out a tailored cover to ensure you can trade effectively. A properly considered motor trade insurance policy will recognise the key aspects of your motor trade business that need to be protected by the policy you take out.
Specialist cover can take into consideration the number of vehicles that are kept at your premises overnight, the value of your equipment and whether you are running the business part time from your home or from a commercial building.
At Plan Insurance Brokers, we can guide you through the process of finding the right motor trade insurance policy at a competitive price, allowing you to focus on making your business a success.
We are independent brokers who are dedicated to finding the right insurance policy that is tailored to your company’s needs.
We pride ourselves on offering our clients:
• Dedicated motor trade account handlers
• Exclusive rates from leading insurers
• Expert knowledge and advice
• Platinum standard service
We can source a motor trade insurance policy at competitive rates.
If you are an individual or a company involved in the motor trade business, but operate from premises away from your home address then it may be more cost efficient to take out a motor trade combined policy.
A motor trade combined policy can pull together all the different insurance types you may need into one loaded policy. This can include cover for:
- Any driver for your own & customer vehicles with an unlimited indemnity on the road
- Your buildings, stock, plant & machinery, portable hand tools, computer equipment, vehicles at premises
- Business interruption
- Employers liability, public & product liability, service indemnity
- Cash in transit
- Engineering inspection
- Goods, stock and vehicles in transit
- Personal accident for proprietors and employees
- Loss of MOT license
- Wrongful conversion
- Additional business use
If you simply want cover for vehicles whilst they are being driven and whilst they are at your premises this can be arranged on a road risk policy with a vehicle at trade premises extension.
Yes, your NCB will be applied to the road risk section of the motor trade policy. However, if you have tools, vehicles or buildings insured under a combined policy, they will still be determined by other factors including value and location.
Proof of trade is sometimes requested by insurers to check that customers have the right type of policy and the cover they need for their business, or if after investigation the Underwriters cannot find sufficient evidence of the business actively trading. Examples of proof of trading include: purchase receipts, sales receipts, bank statements, customer invoices, advertisements, website address and business cards. Most insurers will request that they be dated within the last six months.
ROAD RISK INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Motor Trade Road Risk Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
A Motor Trade Road Risk insurance policy is suited to motor traders working from home. It is the most basic level of cover for working on vehicles not owned by you required by law.
If you are a business owner who deals with car repairs, maintenance or sales, it is essential you are covered by a Road Risk Insurance policy.
Customers will leave their car in your care, or you may have a large number of your own stock vehicles. By law, the absolute minimum cover is for professional third party cover to be in place.
Going beyond that is a matter of choice. But if anything were to happen to these vehicles, whether caused by fire, flooding, theft or even an accident not caused by yourself, you could be held accountable.
Setting aside the damage to your reputation, could you afford to pay out for all of this as well as continue business as usual? If the answer is no, then a fully comprehensive Road Risk Insurance is necessary for your business.
A common mistake made by motor traders is the thought that they can drive any vehicle no matter what type or who owns the vehicle.
All road risk insurance policies allow the proposer and named drivers to drive any vehicle registered to or owned by the policy holder, and any vehicle in the custody or control of the policy holder’s business in connection with the motor trade. Friends and family member’s vehicles are not covered unless evidence can be provided that they are in your possession for the purpose of your business.
Your employees will only be covered for road risk use on your vehicles unless otherwise stated. Vehicles registered to the policyholder’s spouse can be covered if needed but only on referral to the insurance company with full vehicle details.
Under no circumstances can a vehicle registered to or owned by an employee or named driver on the policy be covered under your road risk insurance policy.
All road risk insurance policies have limitations to the gross vehicle weight that they will cover you to deal with. Most basic policies will cover up to 7.5 tonnes. However, with our extensive panel of insurers we can offer cover up to a maximum of 44 tonnes if required.
Many factors affect the cost of your road risk insurance. They include your occupation within the trade, where you live, your age, your driving record, claims history, the number of named drivers on the road risk insurance and their individual driving and claim records. The amount of cover in £’s you require per vehicle, types of vehicle you trade and number of years no claims bonus you have also affect your premium.
Ensure you’re the lowest risk possible
To reduce your road risk insurance premium you need to present the minimum possible risk to the insurance companies.
Obviously some factors are out of your control, for example the insurance rating for your postcode and your occupation within the motor trade. However there are factors you can affect. They are as follows:
- Set the right indemnity level
- Think about your drivers
- Keep your vehicles and keys safe
- Select the most appropriate cover
- Select the most appropriate excess
- Shop around with Plan
- Admit what your best premium is
Set the right indemnity level
Don’t over or under insure the maximum value of any one vehicle and the total value of all your vehicles.
If you set too high an indemnity amount you are over insuring yourself and effectively are giving money away to your insurance company. If you under insure and have to make a claim for a vehicle whose value exceeded the indemnity level you set, you will be out of pocket for the amount that the vehicle’s value exceeded your indemnity level.
This could add up to thousands of pounds. So think carefully when setting your indemnity level. If you are unsure ask your broker for advice.
Drivers
- Ensure drivers are over the age of 25
- Ensure drivers are claim and conviction free
- Only offer road risk use for your employees
There are a couple of points that are worth considering that might save you money in the long term. Young drivers pay higher premiums as they are far more likely to be involved in accidents. If they are a named driver on a policy and they have an accident, the policy holder’s No Claims Bonus will be affected.
Select the most appropriate main driver
The policy holder of a road risk insurance policy must be the proprietor of the business. Therefore, it is not possible to have a proposer who presents a lower risk in order to reduce the road risk premium. If a claim occurs and the policy holder is proven to not be involved in the running of the road risk business, the claim can be repudiated.
Select the most appropriate excess amount
An excess is how much you have to pay towards a claim against your own insurance policy. The higher this excess, the less you’ll pay for the policy as some insurers will significantly reduce road risk premiums if you set an excess of £500 or more.
However, if you have an accident you will have to pay out more towards the claim. Though, if the claim is not your fault Plan Assist will act on your behalf to seek reimbursement of your policy excess.
Having a higher excess makes little odds to many people who tend to settle small claims themselves in order to avoid the loss of their no-claims bonus and increases in the future cost of their insurance.
Shop around
Fortunately, Plan Insurance Brokers will do the time-consuming work for you. It makes sense to deal with a road risk insurance specialist who will search the leading road risk insurers’ premiums to save you both time and money. Call 0800 542 2741 for your quick low-cost road risk insurance quote.
Introductory discounts
If you have been driving a company car claim free but don’t have no claims bonus in your own name we have special deals for you. Insurance underwriters will allow ‘introductory discounts’ equivalent to no claims bonus where a letter is provided from your previous or existing company confirming claim free driving.
Admit what your best premium is
When asked what their best premium is a lot of proposers either make up an unrealistically low figure or refuse to admit what their best premium is.
Unlike most brokers, at Plan, our quick quote computer gives us instant quotes from an extensive panel of leading trade insurers. We know what the market rate is. We appreciated people will shop around to obtain the best premium. That’s why we’ll always give you our best rate straight away.
However, if the premium we’re up against is ridiculously low we know that the person on the other end of the phone is either making the price up or that the company they’ve been dealing with have made a mistake.
If they have made a mistake it will only become a bigger problem and more hassle for you further down the line. So we’ll be able to advise you where they’ve gone wrong.
You must tell us as soon as possible if any of the following occur:
- You take possession of a high performance or high value vehicle which was not previously advised on your policy
- You want to use a vehicle for a purpose not included in your schedule
- You become aware of any medical condition of any driver named on the policy which may affect their ability to drive
- You or any other driver named on the policy are convicted of a motoring offence other than fixed-penalty parking offences
- You change the address where you live or trade from if different from your home address
- You or any other driver named on the policy change their occupation
- You are involved in a motor accident
We will then inform your insurers who will re-assess your cover. An additional premium, and likewise a return premium may be incurred as a result of notification of these changes. Failure to notify your insurers of any changes may invalidate your insurance, and leave you uninsured. We may charge you an administration fee for any changes you make to your policy details during the period of cover. This is shown in your policy schedule.
Most policies will at least include up to 30 days third party cover for driving within EU countries. However, it is essential you check your policy documentation to learn whether the cover you require is included as standard by your policy.
If you require full cover as per your policy, you will be required to pay a small additional premium dependent on the length of stay and the vehicle being driven.
Can my road risk policy cover me for imported vehicles?
Plan Insurance are experts at providing insurance for imported vehicles. Finding the best price on imported vehicles requires specialist knowledge. To avoid any confusion, we suggest you call Plan Insurance Brokers on 0800 542 2741 to speak to one of our expert staff.
This is a list of additional products that can be arranged to compliment your road risk cover:
To replace or repair any of your tools of equipment. It is important to not underestimate the value of your tools. They are the backbone of your business.
Could you afford to replace all of your tools in one go and carry on trading?
Protection in the event of a member of the public or a customer having an accident on your premises.
A requirement by law if you have any employees, whether paid, part-time or volunteers.
In case someone suffers as a direct result of advice that you have given them.
Most insurers will need you to be able to demonstrate that you handle at least 6 vehicles for motor trade purposes in the course of a year. You will need to retain evidence to support this minimum level of trading. Please see our blog on “What Counts as Proof of Trading for Motor Trade Road Risk Policies” for more information.
The most common reasons we are unable to provide proposers with road risk insurance quotes are if they have not held a full UK driving licence for at least 12 months, they are not a permanent resident in the U.K. or if they do not believe that if requested they could provide documentary evidence of trading.
So long as you have informed your account handler at the outset of the policy then your personal vehicles should be covered. In certain circumstances, your account handler will need to have contacted your insurer to confirm that your vehicle meets the insurer’s acceptable criteria and that the vehicle is covered to the level you expect.
If you change your personal vehicle during the course of your policy to one that differs greatly in value then you will need to contact your insurer to confirm that the new vehicle is acceptable to them. You must also ensure the new vehicle is added to your record on the motor insurance database.
MOTOR TRADE COMBINED INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Motor Trade Combined Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
If you operate your business from premises that you own, for example an MOT Centre or Repair Garage, then a Motor Trade Combined Policy will be suited for you and ensure you are covered for any potential risks. A combined policy will cover you against damage to property, stock, money held on site as well as liabilities like professional Indemnity.
A Motor Trade Combined Policy can be arranged to cover everything from Employers Liability to Buildings Premises Insurance. We understand that every business is different and requirements will vary, so we work to tailor your policy to reflect your specific, individual needs.
Motor Trade Combined Policies can include:
- Buildings, Contents, Money and Vehicles at motor trade premises
- Employers Liability, Public Liability and Service Indemnity
- Cover for Service, Repair, Sales, Dealerships and MOT Stations
- Road Risk Cover, Goods in Transit, Loss or Damage to Tools and Equipment
When taking out a policy with Plan we can offer you a pre-quote site visit, instant expert assessment of your risk over the phone, quotes from several leading insurers, flexible payment options and a complete claims management service.
Road Risk policies are designed for traders that require cover for motor repairs, maintenance and sales. This policy will include cover for driving or moving vehicles whilst carrying out your day to day work and typically are trading from home rather than a business premises.
If you own premises and carry out your work from there, for example an MOT Centre or Repair Garage, then a Motor Trade Combined Policy will be suited for you as it will cover any potential risk. A combined policy will cover you against damage to property, stock, money held on site as well as liabilities. All of these covers will be held under one policy meaning one renewal date and one set of policy documents.
When arranging cover with Plan you will be offered a competitively priced before the event motor legal insurance product. Our motor legal insurance supplier’s expert advice will ensure that you have support in order that you may conveniently pursue a claim against a third party’s insurer.
An additional benefit of the motor expenses insurance that we offer is that it provides cover for all your un-insured motor related losses. Should you have need to claim, this would include the pursuit of your motor insurance excess, damage to your property incurred during the accident and also assistance with claiming from councils for tyre and wheel damage caused by pothole damage.
MECHANIC INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Mechanic Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
Mechanic Insurance is an essential policy for any car mechanic. Regardless of your working patterns, cover can be tailored to suit your exact needs.
Our Mechanics Insurance offering can include polices that will provide you with protection against all manner of hazards, ranging from accidental damage to a client’s car, accusations of poor workmanship or an accident on the road. If you need mobile mechanics insurance you will want to include cover for you and any employees working in varying locations. Suitable risk management and training should be considered to minimise the chance of incidents and resulting damages occuring.
From an employee getting injured at work, to accidentally damaging a client’s vehicle, Motor Mechanic Insurance is there to provide you with all the protection you need.
With a policy from Plan Insurance Brokers, you can be safe in the knowledge that an independent insurance expert has worked with you to identify your precise needs. You’ll have peace of mind, as well as the backing of a professional claims handling service should the worst happen.
Mechanic Insurance can be arranged on a combined policy to include cover for:
- Premises Insurance
This will provide cover for any building where the business is located.
- 3rd Party Public Liability Vehicle Insurance
This will cover the customer’s vehicle whilst it is being repaired or being moved from the owner’s house to your premises.
Should the business have to stop trading, this can cover fixed overheads like rent or wages.
- Contents Cover
We can cover the contents at the trade premises, including tools and any money you may keep on site.
This is a requirement by UK law, even if you only employ people on a part-time or voluntary basis.
In the event of a member of the public having an injury at your trade premises.
- Comprehensive Motor Insurance for Mechanics
Covers potential damage incurred to your and your customers’ vehicles whilst your are driving.
Plan has many years of experience in the Motor Trade industry. We provide high quality customer service and strive to find you a policy best suited to your business. Regardless of whether cover is needed for a garaged based mechanical business or if a mobile mechanic insurance policy is required we can source a competitive and comprehensive offering.
Our team will keep you informed every step of the way, from taking out your initial policy to renewing it, and even managing your claim should you need to make one.
We’re available to talk to on the phone or via email at your convenience. So, even if you need to make adjustments to your cover to reflect changes in your circumstances, we offer a hassle free service.
Arranging mechanic insurance without premises is not a problem. The insurance industry calls this a road risk only policy. If you are trading from home, cover can be tailored to reflect your exact circumstances. It would make no sense for your mobile mechanic insurance (officually known as a motor trade insurance policy) to require payment for premises cover that is not required.
We offer part time traders policies from many insurers. If you’re not full time in the business or work from home, the likelihood is that the risk profile will be different in the eyes of an insurer.
Part time mechanic cover is often cheaper for the level of cover you need.
Motor trade insurance for self employed traders is widely available. Some insurers prefer that you do not have a secondary occupation but self-employed status presents no obstacles for our insurers. It is likely that you will need to provide proof of trading. If you work from a mechancial repair garage this should be relatively easy to evidence by retaining receipts for parts, invoices issued, marketing material etc. The same applies if you have mobile mechanics insurance.
CAR DEALERS INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Car Dealers Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
Car dealer’s insurance is a policy specifically designed for traders selling new or used cars from their home or from a premises.
Car Dealers Insurance is essential for any business that deals with the sale or trade of vehicles. No matter whether you sell cars part time from your home, or have a large forecourt with multiple stock cars at one time, car dealer’s insurance is necessary for you.
If you sell used or brand new cars, you’re likely to have cars in stock of considerable value. Would you be able to carry on trading as usual if something were to happen to your vehicles? For example, if they were stolen, damaged or destroyed in a fire?
A bespoke car dealer’s insurance policy from Plan safeguards your business against all the potential risks it faces.
At Plan Insurance, we understand that every business is different – therefore every insurance policy should be flexible to reflect that.
We take the time to get to know your business so we can tailor a policy to suit your needs. However, a typical Car Dealers Insurance Policy will cover:
At Plan Insurance, we understand that every business is different – therefore every insurance policy should be flexible to reflect that.
We take the time to get to know your business so we can tailor a policy to suit your needs. However, a typical Car Dealers Insurance Policy will cover:
- Garage Stock Cover
For loss or damage to vehicles. Normally at trade cost as opposed to retail value.
- Road Risk or Goods in Transit
To cover you when driving vehicles to and from your premises. Be aware that Domestic and Social Driving are not usually covered on customers vehicles.
- Contents Insurance
To cover the contents of your buildings including money and furnishings.
To cover you in the event of a member of the public having an accident in your work place.
EL is a legal requirement by UK law if you employ anyone within the United Kingdom even if they work on a part time or voluntary basis.
As an independent broking company, we’re dedicated to finding the right insurance policy that is tailored to our customer’s needs. We aim to understand our customers business as well as we do our own, ensuring that you have the right cover for your business.
Our highly trained staff ensure our clients given the best service and advice possible. That is our promise to you.
We offer part time traders policies from many insurers. If you’re not full time in the motor trade business, the likelihood is that the risk profile will be different in the eyes of an insurer. It’s likely that you will carry fewer stock vehicles and the ones you do have will be of a lower value. Part Time Car Trade cover is often cheaper as pay for the level of cover you need, but no more.
VALETERS & DETAILERS INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Valeters & Detailers Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
Valeters insurance is designed to protect those who valet customer vehicles, whether that be from a premises or at home.
Valeters Insurance is for anyone who deals with or handles cars as their job or as part of their business. If you are driving customers cars within your business premises, you need the correct cover in place to protect yourself, your business, your staff and the public.
A valeters insurance policy could help cover the costs of repairing or even replacing the car. Plan Insurance Brokers source high quality policies for anyone in the car trade industry and can offer exclusive rates from leading insurers.
Whether you’re a full or part time valeter, we can arrange tailored cover to suit your needs.
We are independent brokers who are dedicated to finding the right insurance policy that is tailored to your company’s needs. We strive to ensure that you have the right cover tailored to your exact needs.
For more information. call a member of our team today on 0800 542 2741 or request a Call Back at a time more convenient for you.
Valeters Insurance placed on a commercial package insurance policy can typically be arranged to include:
- Business Interruption
- Contents Cover
- Claims management services
- Low rates & flexible payment options
Plan can also quote for any required additional covers including:
- Employers Liability
If you employ any staff in the UK, it is a legal requirements to have EL Insurance. - Public Liability
Should a customer or member of the public injure themselves or worse when in your work place. - Tools Cover
If a piece of equipment were to break down or be stolen preventing you from carrying out your work. - Buildings Cover
In case any damage should occur to your property, whether this be accidental damage, fire or flood.
To discuss all cover options available to you, request a Call Back from one of our highly skilled insurance advisers.
Alternatively, you can call us directly on 0800 542 2741 to arrange the right cover for you in minutes.
PART TIME TRADERS INSURANCE FAQ
Below we have compiled some commonly asked questions that explain the key features of Part Time Traders Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.
If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.
Part Time Traders insurance is suited for those who have another occupation away from motor trade.
Part Time Traders insurance is for anyone who deals with or handles cars as their job or as part of their business, but not on a full time basis.
Whether this is moving your own stock of cars around on your forecourt or driving customers cars to and from their home and your business premises, you need the correct cover in place to protect yourself, your business, your staff and the public – not to mention the vehicles themselves.
If anything were to happen to your customers cars when in your care, whether this is theft, a fire or even if you are involved in a car accident, you could face lawsuits from the car owners, as well as having to pay to repair the car.
A Car Traders Insurance Policy could help cover the costs of repairing or even replacing the car. A supplementary motor legal expenses product can also be purchased to help meet any potential legal costs that may be incurred.
Plan Insurance Brokers source high quality policies for anyone in the car trade industry. The best traders insurance policy can be arranged for any size of company whether you sell cars part time from your home, or run a busy garage or MOT centre.
Request a Call Back online from Plan Insurance Brokers now or call our office on 0800 542 2741 for professional, friendly advice.
Whether you’re involved with vehicle sales, mechanical repairs, perform servicing or provide a breakdown service, we can arrange tailored cover to suit your needs.
We are independent brokers who are dedicated to finding the right insurance policy that is tailored to your company’s needs. Our highly trained team of experts are available to correspond through email and over the phone from our UK based offices.
We aim to understand your business as well as we do our own, ensuring that you have the right cover for your needs.
As a vehicle trader, you will be aware that there are specific insurance processes that you must adhere to by law and your traders policy will help you meet the demands of the motor insurance database.
Traders Insurance Cover can include:
- Any employed driver aged 18-80
- Extensive optional combined Traders policy
Wind Screen Cover is not included in a Road Risk policy
Trader Value
If the loss is of your own vehicle, the trade value cost is covered. If it is a customer vehicle then retail price can be paid out.
Business Driving Cover only
Social domestic and recreational driving will not be covered under a Traders Policy on customer’s vehicles.
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