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Combined Motor Trade Insurance
For traders with premises, this all-in-one cover is perfect for protecting each aspect of your business, from liability to equipment and road risks.
How it works Get Insured three easy steps
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Every business is different. Whether you buy and sell vehicles part-time or operate MOT services from your own premises, it’s vital that you have the proper protection if the unexpected happens during your working day.
Levels Of Cover
Third-Party Only
The most basic level of cover, providing protection against injury or damage caused to others and their property by a vehicle on your policy when used for business.
Third-Party, Fire & Theft
Includes third-party cover plus protection for customer vehicles in cases of fire, accidents, or theft linked to your business.
Comprehensive
Covers everything in third-party fire and theft, with added protection for accidental damage and personal injury. Some policies may also include vandalism and windscreen cover, depending on the insurer.
Combined Cover
The most extensive option, offering tailored cover based on your business’s specific needs. Choose from premises and tool cover, liability, and more alongside road risk.
Find out what we can cover for you
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Premises protection (damage to buildings).
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Liability insurance (employers’ liability, public liability, service indemnity).
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Road risk cover (driving stock vehicles, customer cars, company-owned transport).
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Theft and vandalism cover (stolen cash, equipment, damaged property).
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Stock and equipment cover (tools, diagnostic machines, vehicle parts).
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The policy holder and any UK driver with a full British driving licence.
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Any car not registered under the policy for road use.
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Personal vehicle insurance separate from business use.
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Unregistered or uninsured vehicles in the Motor Insurance Database (MID).
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Coverage without proper business premises.
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Non-motor trade-related activities.
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Overview
For motor traders with premises and wider business operations, finding the right cover that focuses on all aspects of your work is essential. That’s where our motor trade combined policies come in.
At Unicom, we’ll use years of motor trade knowledge and insurance experience to get you the perfect combined motor trade insurance cover made to be as unique as your business.
What is Combined Motor Trade Insurance?
A combined motor trade insurance policy is designed for businesses that operate from their own separate premises. Alongside the standard road risk coverage aimed at financial losses caused by accidents, damage, theft, or legal claims, this type of motor trader insurance offers a more bespoke policy. It extends far beyond just vehicle cover by protecting your business operations holistically.
This means that you can pick and choose what you need cover for based on your business’ needs. It’s truly tailored motor trade cover made your way. Coverage you can choose from may include insurance for your tools, stock, and employees, but the possible combinations are endless.
So, whether you’re a car dealership, repair garage, or service workshop, a combined policy offers a streamlined solution that reduces risk and simplifies your insurance needs.
Who Needs Combined Motor Trade Insurance?
If you operate for motor trade business from premises, we recommend that you invest in a combined motor trade policy. Instead of managing multiple policies, this all-in-one cover safeguards your premises, vehicles, equipment, and liabilities under a single plan.
Here are some of the businesses suitable for this type of policy and how they can benefit from it:
- Independent and franchise car dealerships will benefit from motor trade combined as this can provide cover for your premises, stock, and liability risks.
- Repair and service garages mostly use combined cover to protect tools, machinery, and customer vehicles in their care.
- Body shops and paint specialists often require this cover for spray booths, equipment, and business interruption risks.
- MOT testing stations often opt for liability and coverage that can protect their facilities, staff, and customer property.
- Car valeting and detailing businesses, like mechanics and garages, opt for this protection aimed at safeguarding tools, cleaning products, and customer vehicles.
At Unicom Insurance, we specialise in tailoring motor trade policies to suit your business. With decades of experience in the industry, our experts will ensure you get the right level of coverage at a competitive price. Get the ball rolling and contact us on 0113 312 0558, let us know what type of coverage you need and we’ll do all the hard work so, you can focus on your work.
What Does a Motor Trade Combined Policy Cover?
A combined motor trade insurance policy offers the ultimate bespoke protection for your business. Every business is unique, so policies can be customised to include the specific protection you need.
The most popular coverage for motor traders with premises includes:
- Premises protection for damage to your building, whether owned or leased.
- Stock and equipment cover for tools, diagnostic machines, and vehicle parts essential for your trade.
- Road risk cover for protection while driving stock vehicles, customer cars, or company-owned transport.
- Liability insurance, including employers’ liability, public liability, and service indemnity to protect against legal claims.
- Business interruption offers financial support if your operations are disrupted by fire, flood, or other unforeseen events.
- Theft and vandalism cover for stolen cash, equipment, or damaged property.
How Much is Motor Trade Combined Insurance?
The cost of a combined motor trade insurance policy varies depending on several factors, including the size of your business, the nature of your trade, and the value of your premises, stock, and equipment.
At Unicom Insurance, we strive to secure the most competitive rates, whether you are a small independent trader or a large dealership. Our experts will will find the most suitable cover and tailor each policy to match your specific needs.
Get in touch now on 0113 312 0558 for a quote and to set the wheels in motion to insure your business now.
Why Choose Unicom to insure you?
As a motor trader, you need a broker that understands how your business works. From us, you can expect:
Expert Advice
Not only do you get tailored policies, but we'll give expert advice to go with it.
Affordable Cover
Our teams will find you the best premium rates amongst our panel of insurers.
Bespoke Policies
We'll get your business truly tailored cover with our motor trade combined coverage.
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Discover how much you can save on your insurance now.
Frequently Asked Questions
On a motor trade insurance policy, you can only cover the cars in your care and custody associated with your motor trade business. On a motor trade insurance policy, you can only cover the cars in your care and custody associated with your motor trade business.
Most of our insurers cannot cover drivers under the age of 25.
Insurers view younger drivers as a much higher risk due to their lack of driving experience, so their premiums are much higher.
However, some of our insurers can cover any driver with a full UK licence if they’re not the main policyholder, so you may be able to cover your employees.
Like all motor traders, your top priority alongside your customers, is updating the Motor Insurance Database (MID) to ensure your vehicle is legally registered and insured.
You can update the MID via your insurer’s portal, available in our customer area. And if your insurer doesn’t have a portal? We can update the MID for you if you send us an enquiry via our MID update page or call 0113 312 0558.