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Motor Trade Insurance Specialists - Unicom Insurance.

How to remove a vehicle from mid database

The UK’s central source for storing car, van and motorcycle insurance details, is the Motor Insurance Database, or MID. It was introduced to get claims processed faster and assist in the fight against uninsured drivers and riders. It’s kept up to date by insurers, with information supplied by their policyholder. The database can be checked in the event of an incident to assist in establishing the relevant insurer. Government organisations and the police can also access the database to look up information and help prevent fraud. more info…

Road Risk Insurance Benefits and Restrictions

Road risk insurance is available to motor traders to cover both personal vehicles and vehicles in their possession for purposes of trade activity. The cover is only available to those individuals who are self-employed or who operate their own motor trade business either full or part time – for example car dealers, mechanics and anyone owning repair and maintenance businesses. In this blog we look at a number of key policy features and benefits, together with various restrictions. more info…

Do I need business premises to be eligible for motor trade insurance?

The motor trade covers everything from showrooms displaying the latest models behind plate glass windows, or vast yards filled with new and used cars, to small traders who work part time from their own homes, for sales, repairs and servicing. Insurance is equally important at both ends of the scale, but some traders might not be sure whether they are covered for their own or their customers’ vehicles if they do not own separate business premises as a place of work. more info…

Does mileage really matter on a car?

Looking for a new car or van? Mileage is probably one of the first things that prospective buyers look for. But according to motor trade experts it isn’t just a question of searching out the lowest mileage. Several other factors come into play, history and current condition amongst them, and it can actually make more sense in some circumstances to buy a newer vehicle with more mileage than an older one with fewer miles on the clock. more info…

How does an insurance claim affect my No Claims Bonus?

The no claims bonus can be one of the most controversial areas of your private or motor trade insurance policy. On the face of it, the idea is simple. Car and van drivers who avoid accidents, and thus do not make insurance claims, are rewarded by a lower premium. Even after a one year without a claim significant savings begin to be made, but after this, the benefits can really rack up. It is not surprising that vehicle owners with a long history of claim free driving are very protective of their record. more info…

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With Unicom you can also...

Use our Insurance Renewal Reminder Service
Get help with claiming on your insurance policy
Update the Motor Insurance Database
Download important documents and information

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