Motor Trade Insurance Specialists - Unicom Insurance.

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… →

What categories fall into the ‘Motor Trade’?

Motor traders require specialist cover, but it’s not always obvious whether or not a business falls into the motor trade category. Make sure you have the correct cover for your business, or you could find yourself unprotected in the event of a claim. 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… →

Requirements for motor trade insurance FAQs

Who is eligible for motor trade insurance?

Anyone who operates within any aspect of the motor trade industry, for example dealers, MOT and service centres, mechanics and salesmen, are all eligible.

Are part-time dealers or traders covered? 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… →

How can a HPI Check help you?

HPI Checks are a comprehensive, reputable history check for UK registered vehicles. Introduced in 1938, it was the first of its kind on the market and today they are the number one choice for motor traders. They can be carried out on used cars, used vans, motorcycles and trucks. more info… →

Can anyone drive on Motor Traders Insurance?

Motor traders insurance offers policyholders the ability to use any vehicle either directly owned or under their control for motor trade purposes with relatively few restrictions. However, as with a personal policy, care must be taken to read the small print of each policy and adhere to any specific limitations. more info… →

Do I lose my no claims if i have had a traders policy?

The way no claims bonuses work in the motor trade, and whether they can be transferred between insurers, is fairly straightforward, with a few caveats. Many insurers will actively allow traders to move no claims bonuses from one policy to another, but it’s always worth checking the small print, and, if you’re in any doubt, ask. Some insurers also allow traders to use bonuses accrued in trade policies on their own private car or van insurance – and vice versa – but again this varies from company to company.
more info… →

Does motor trade insurance cover windscreens?

It is worth checking the terms of your insurance policy. Some do not cover windscreen damage, others may offer compensation if the work is carried out by an approved company, while others allow owners to make their own arrangements and recompense them afterwards.
If the motor trade policy doesn’t have the windscreen extension this doesn’t mean you can’t claim for the windscreen to be repaired or replaced but will find they are subject to the standard policy excess.
more info… →

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