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What is Defined as Motor Trade Use?

Motor trade insurance is a particular type of insurance policy that provides coverage for anyone running a motor business – either on a full-time or part-time basis.

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This provides coverage for UK companies, with businesses including car dealerships, commercial vehicles as well as motor traders. Specially developed to align with the policyholder’s specific requirements, this policy lets you choose the appropriate protection through expert advice as well as the relevant resources.

What types of motor trade insurance policies are there?

When browsing for the best possible quotes, you may come across certain policies offering optional add-ons and different services aimed at covering your business. For cars noted as high performance, this can lead to considerably high premiums; however, those classified as classic, vintage or collective may not come under ‘premium loading’ but can be subject to terms and conditions or cover restrictions.

How does it apply to motorcycles?

Motor traders who deal solely with motorcycles will not be entitled to coverage, but motorcycle owners may be covered – as well as those who occasionally trade motorcycles.

What are Optional Extras?

Motor trade insurance policies also have on offer something known as Optional Extras – and despite not legally bound with the policy, they are elements the buyer could invest in for added protection. For example, Business Interruption provides coverage for the loss of profits as a result of a disastrous but insured incident – such as a fire.

One other feature is that of Employers Liability, which covers the policyholder in the case of legal liability e.g. should any damage occur due to an illness or injury to an employee within the duration of their employment. Coverage that defends the owner against any damage or loss of property during transport is known as Goods in Transit – Own Goods.

Another Optional Extra includes Commercial Legal Expenses, providing coverage to solicitor’s fees and expenses, also entailing court costs and barristers. In addition, the Group Personal Accident and Sickness delivers cover for both yourself and your workers in the instance of bodily injury, or for being unable to undertake basic working duties.

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How can I get motor trade insurance?

To learn more about getting a tailored motor trade insurance policy, speak to Unicom Insurance now. With a team of experts available to advise you on the best possible quote, you can be sure your motor trade insurance needs are in safe and trusted hands.