The motor trade is such a diverse industry that it can be difficult to know what type of insurance policy you need. If you’re unsure whether your business is classed within the motor trade, read this quick breakdown of businesses eligible for motor trade insurance.

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If you’re taking out a motor trade insurance policy, you’ll want to know how it affects your no claims bonus. A no claims bonus is a reward for not making a claim and gives the customer cheaper premiums for each year they go claim-free. If you have an accident and need to make a claim, you’ll lose your no claims bonus and your premiums will go up because you’re considered a higher risk.

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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.

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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.

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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.

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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?

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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.

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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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