What Does My Liability Insurance Cover?
Liability insurance is essential for anyone working in the motor trade and is split into three main areas:
Public liability insurance – to protect members of the public if they are injured on your premises
Employers’ liability insurance – to protect you and your employees if one of them suffers an injury at work
Sales or service indemnity insurance – to protect you against claims of accidental damage to vehicles you’ve worked on
Liability Insurance Legal Requirements
Employers’ liability insurance is the only liability insurance that is legally required. This is to protect you and your employees if one of them has an accident at work and is a must if you have any full- or part-time employees.
The law requires you to have £5,000,000 of cover; however, at Unicom we understand that a major claim for compensation could significantly damage your business. This is why we can provide up to £10,000,000 – to ensure your business can meet the cost of compensation or legal fees without suffering any serious financial implications.
If an accident occurs and you don’t have adequate cover, you risk being prosecuted and fined by the authorities, which could be financially detrimental to your business.
Benefits of Unicom’s Motor Trade Liability Insurance
Our insurance experts have over 20 years of experience supplying motor trade insurance policies. When you apply for a quote, our specialists in liability insurance will assess your risks and compile a liability insurance policy that meets your exact requirements – ensuring you pay for the features you need and not a penny more.
All our policies are authorised and regulated by the Financial Services Authority and we provide a wide range of flexible payment options. What’s more, our policies are designed to cover most occupations in the motor trade industry – including mechanics, used and new car dealers, valeters and body repairers – enabling you to find the right policy from Unicom to suit your business.
Receive Your Online Motor Liability Insurance Quote
To get an online motor liability insurance quote today, simply fill in our online form with your contact details and a specialist insurance broker will get back to you within one working day to discuss your motor trade liability insurance requirements.
If you already have a policy with Unicom, you can sign up for our insurance renewal reminder service and we will contact you to reassess your insurance requirements when you policy is due for renewal.
Motor Trade Liability Insurance
Employers Liability - This section indemnifies the insured for any legal liability incurred arising from any bodily injury sustained by an employee occurring during the period of insurance and in the course of the business. If you have employees you are required to have this section as a legal requirement.
Public Liability - This section indemnifies the insured for any legal liability incurred for bodily injury (other than to employees) and/or loss of or damage to property in the course of the business. Some occupations require public liability as a legal requirement.
Sales & Service Indemnity - This section indemnifies the Insured for any legal liability incurred for accidental bodily injury (other than to employees) and/or accidental damage to property occurring in the course of the business and arising from;
- The sale or supply of new or used motor vehicles including manufacturer’s pre-delivery checks and other work carried out prior to sale or supply and the fitting of additional accessories;
- The sale or supply of other motor products;
- The repair, testing, servicing, maintenance, alteration, cleaning or inspection of motor vehicles;
Liability Insurance F.A.Q's
Q. Do I need a employers liability insurance policy?
A. If you have employees then employers liability is a legal requirement.
Q. Do I need a public liability insurance policy?
A. If you have visitors to your premises then its often a good idea, call us to find out more.
Q. How much does the policy
cost?
A. Complete and send back the info above and we will contact
you and let you know.
Q. What occupations can you cover?
A. Most motor trade related occupations including; Mechanics, used car dealers, new car dealers, valeters,
motor traders, body repairs, recovery agents, breakers, collection
and delivery agents, car importers, salvage dealers, and many
more.
Q. Will Unicom Insurance Services give
me good service?
A. Unicom have been established since 1992 handling the
needs of the Motor Trader. We must be doing something right.
Q. Do you offer payment
terms?
A. Yes, we offer a wide range of payment options to suit everyone,
please ask for details.
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