Motor trade liability insurance provides coverage against claims made by workers and the general public (including instances such as falls by customers on your business grounds) as well as liability incurred from maintenance or repair of vehicles undertaken by you.
Can I get insurance if I work part time within the motor trade industry?
If you have a full time job but have an interest in working in the motor trade business on a part time basis, then let Unicom help. The first thing you should consider is which sector to get involved in: either as a private motor trader or within the public motor trader industry.
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This type of insurance is much more complex than just standard motor trade insurance, delivering coverage for every element of your motor trade business. From Goods in Transit to public and employers liability, searching out the most appropriate combined policy requires in-depth knowledge – which is where Unicom Insurance comes in.
Is this necessary for overseas drivers?
Drivers travelling overseas will be required to check for any restrictions, such as ensuring they hold a full UK driving licence – but there may be occasions when you will need to apply for other documentation before you can drive your car overseas legally.
How do I arrange van insurance?
If you run your own vehicle sales business then you will need to invest in motor trade insurance – providing adequate coverage whether you’re a small business or a prominent dealership. But what if you buy and sell commercial vehicles? How does this type of insurance work and why do I need it?
What is the average cost and what types of cover are available?
Unfortunately there is no such thing as an ‘average’ cost when it comes to motor trade insurance, as each case is completely different. From how long you’ve been in the motor trade to whether you’re in full-time employment, any of these factors can impact upon the cost of motor trade insurance.
I need to drive a car that isn’t mine – can I do this under Road Risks Insurance?
There are several different scenarios you will encounter within the motor trade industry, but one case that is more likely to arise than others is having customer vehicles within your custody or control. With a motor trade road risks policy, you can guarantee cover to make sure you meet the minimum insurance requirements needed should this happen to you – with this policy also covering any vehicles in your ownership.
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To legally drive any vehicle on the UK public highway, you are required to have road risks insurance – and even test driving a vehicle over 100 yards, it is mandatory to have a policy.
With motor trader insurance, your road risks policy will provide coverage to yourself and your workers – allowing both parties to drive business-associated vehicles only; comprising customer cars as well as any personal vehicles as detailed in the policy.
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Known as Uninsured Loss Recovery (ULR), this is sometimes offered as additional coverage to clients who already hold an existing commercial motor trade insurance policy. ULR is not usually provided with motor insurance, but can be purchased through a broker or insurer – usually referred to as ‘legal expenses insurance’.
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Am I eligible?
Whether you’re a part time motor trade industry worker or own your business on a part-time basis, a policy can be arranged whatever your interest – be it repairs, tyre and exhaust fitting or even car valet servicing.
From buying and selling cars to carrying out repairs during the weekends, it doesn’t matter what part time hours you work; a motor trade insurance policy provides essential coverage whatever your operations. Covering you to drive your own vehicles as well as those being tested and driven, you can also register the vehicles for the Motor Insurance Database (MID).
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