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What Occupations are Covered by Motor Trade Insurance?

Does it matter whether I operate on a full or part time basis?

Whether you’re an individual or a business working in the motor trade sector, it is essential that you are protected with a motor trade policy. So long as your occupation is related to the motor industry, then you will be covered by motor trade insurance.

Which types of jobs will be covered?

Anyone working on either a full or part time basis in the motoring trade (be it at home/on the premises) is applicable:

  • Accident Recovery/Breakdown Operators
  • Collection/Delivery Agents
  • Mechanics
  • Motor Engineers
  • Panel Beaters
  • Repairers
  • Servicers
  • Tuners
  • Valeters
  • Vehicle buying & selling
  • Plus many more.

Please note: Motor trade insurance only applies to those selling six or more vehicles per year.

What type of policy do I need?

The difference between a private motor policy and a motor trade policy is that the former names the driver and the vehicle. With the latter, it details just the driver – allowing them to drive any vehicle for motor trade usage; eliminating the need to take out separate vehicle policies.

Get a quote on your Motor Trade Insurance

Looking for a motor trade insurance quote?

If you are looking for a quote on a motor trade insurance policy, you could save up to 67.5% with Us. Click here to get a quote that could save you £££’s on your trade insurance policy.

Essentially, a motor trade policy provides coverage for the policy holder to operate any vehicle that is their property or is under their custody for the purposes of motor trade – which is imperative when in control of a number of stock or customer vehicles.

You’ll also be able to include a couple of standard add-ons to your existing Road Risk cover:

  • Demonstration Purposes. This lets the motor trader give permission for a possible buyer to go out for a test drive before buying the vehicle.
  • Public Liability. Another important extension to a motor trade policy, this protects the motor trader from any potential claims such as negligence e.g. should a motor trader clean a customer’s car at their home address and the homeowner slips on car valeting products, this could be seen as negligence on the behalf of the motor trader.

Get your trade insurance quote today

Established in 1992, we’ve over 20 years’ expertise in road risk insurance, combined policies as well as free MID updates – so whether you’re a car importer or salvage dealer, get in touch with Unicom Insurance for a detailed guide to your motor trade insurance policy now.

Lee Middleton – Google+

Information provided by Unicom Insurance


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