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Motor Trade Insurance Specialists - Unicom Insurance.

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…

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…

Failing to remove a vehicle from the motor insurance database

The motor insurance database (MID) is a national UK register of insured motor vehicles, the database is used by bodies such as the police to monitor the status of a vehicles insurance status. Failure to keep a vehicles information accurate can lead to severe penalties for owners, such as a £5,000 fine or even the seizure of the vehicle in question. Crucially, it is up to the policyholder to make sure that all changes are kept up to date, for example, if a car is sold or the owner applies for a statutory off road notice (SORN), otherwise they could face criminal prosecution.
more info…

What is the MID?

Motor insurance is compulsory in the UK, yet as many as one in twenty cars is being driven without insurance. If you are involved in an accident with an uninsured vehicle, you may not be able to recover the cost of repairing or replacing your own. If you are caught driving a vehicle without a valid insurance policy, you could face a large fine, penalty points on your driving licence, or, in the worst case, a driving ban. The police also have authority to seize uninsured vehicles. A fee must be paid to release impounded vehicles in addition to recovery charges and in some cases they can even be destroyed.

more info…

Importing a Car into the UK

There are a number of conditions to meet if you are importing a car into the UK. These are explained below and exist to ensure that the vehicle is safe, roadworthy, meets environmental legislation and is correctly registered with valid insurance. The DVLA provide a vehicle import pack with all the necessary paperwork.

more info…

Mike Brewer – Wheeler Dealer

Mike Brewer – Wheeler Dealer

Car and van dealers may be known for their big personalities and colourful characters. But what happens when a wheeler dealer turns TV presenter? Trader and presenter Mike Brewer is famous in the vehicle trade and television industry alike, both for his unique style and remarkable career progression. He is now perhaps best well-known for presenting Channel 4’s Deals on Wheels and Driven.

more info…

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