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… →

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… →

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… →

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.
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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.
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Motor trade insurance is essential cover for those who operate an automotive business, including dealers and mechanics. It provides protection for company drivers to operate customer vehicles, for example, driving around the business premises, road testing, and driving vehicles being bought and sold.
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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.
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Why update the MID database?

Under the terms of the 4th EU Motor Directive, car, van or bike registration details must be added to the Motor Insurance Database (MID). This includes commercial, motor trade, and fleet ownership. Failure to provide accurate information is an offence carrying a maximum penalty of £5000.
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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.

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