Motor Trade Insurance

Fill out this short form and we will get back to you the next working day to discuss your motor trade insurance requirements.

Motor Trade Insurance Quote

Great Value Motor Trade Insurance

Get your insurance cover from Unicom Insurance and your business will be free to operate on a national scale, fully protected by a regulated UK provider.

1. Quick and easy quote
2. Flexible payment routes
3. Multi-vehicle & driver protection
4. Dedicated insurance advisor
5. Protected no claims

We can protect you with our comprehensive cover which has been fine-tuned over the last 20 years to apply to every type of motor trading business.

Plus, at Unicom Insurance we welcome our clients to have some input on the design of their policy - so you get a customised package that safeguards you, your business and its employees with the protection features chosen specifically by you.

Insurance for your Motor Trade Road Risk

To drive any vehicle on public UK roads, you legally need road risks insurance. Even test-driving a customer vehicle over 100 yards obliges you to have a policy in place. It's our job at Unicom Insurance to make sure you get the most out of your legally-required protection.

As a motor trader, this insurance will cover you and your employees to drive all business-related automobiles. This includes customer cars and even any personal vehicles you state on the policy.

Benefits of our Road Risk Insurance

Unicom Insurance can arrange an extensive motor trade package and get the best quote for you within one working day:

1. Lowest possible quote
2. One policy for all drivers and vehicles
3. Personal cars included (optional)

If you want to enhance your protection bundle, you can opt for a combined policy and include features such as buildings insurance under the same cover.

Q. Who would require a motor trade insurance policy?
A. A person or company that operates a motor trade business on a full time or part time basis.

Q. Do I qualify for a policy?
A. If you are operating or looking to commence a business on a full time or part time basis for profit then you would.

Q. Will this policy provide me with cover to drive someone else's car with their permission?
A. It will but only if the vehicle is in your custody or control. Some insurers restrict certain types of vehicles to third party only cover, motor trade use only or exclude them altogether. The benefits, restrictions and exclusions will be pointed out by our trained sales advisors.

Q. Where are the vehicles covered?
A. It provides cover for loss or damage (If cover is included) on a road or parked during the course of a journey and at the home address of the policy holder or business partner. Most insurers exclude cover on or within a 400 metre or 1 kilometre radius of any separate premises.

Q. Can you cover my vehicles at my business address?
A. Yes, however there are a number of factors involved. Some insurers we deal with can extend the motor trade policy to include stock of vehicles for fire theft cover at the premises. If you wanted more cover than fire theft we can quote you for a combined policy that can also include contents and liabilities.

Q. Can you also cover me to drive in connection with another business that is not related to the motor trade?
A. Dependent on the occupation we can extend the policy to include other business use. Please advise us at quote stage and we will take this in to account when selecting what insurance policy suites your circumstances.

Q. How much does it cost?
A. Complete and send back the info above and we can contact you and let you know.

Q. What occupations can you cover?
A. Almost anything - Mechanics, used car dealers, valeters, motor traders, body repairs, recovery agents, breakers, collection and delivery agents, car importers, salvage dealers, and many more.

Q. Will Unicom give me good service?
A. At Unicom we are committed to excellent service and delivering comprehensive, bespoke policies. We have been established since 1992 so we must be doing something right.

Q. Do you offer payment terms?
A. Yes, we offer a wide range of payment options to suit everyone.

More info on motor trade insurance

Are trade plates covered by Unicom's trade insurance?
You'll need cover for your tradeplate, click the link to find out more
Car Insurance Vs Motor Trade Insurance
How does trade insurance differ from standard domestic car insurance? Well, there are several differences...
How does motor vehicle insurance excess work?
All motor insurance policies come with a compulsory excess built in. Click to find out more...
Are there no claims bonuses on trade insurance?
No claims bonuses are available to drivers in the motor trade just as they are with private insurance, though there are some differences...
Motor Trade Insurance for Young Drivers?
Unicom provide customised motor traders insurance for younger drivers, with prices that are more competitive than most.
Do I need motor trade insurance by law?
Motor trade insurance is recommended to anyone running a business in the motor trade, click the link to find out more.
Road Risk Insurance Benefits and Restrictions
Most insurers provide various levels of cover, such as comprehensive, third party only or third party, fire and theft, click the link to find out more.
What categories fall into the ‘Motor Trade’?
Motor traders require specialist cover, but it’s not always obvious whether or not a business falls into the motor trade category.
Do I need business premises to be eligible?
some traders might not be sure whether they are covered for their own or their customers’ vehicles if they do not own separate business premises as a place of work.
Requirements for motor trade insurance FAQs
Some frequently asked questions regarding our trade policy. More FAQ's here
Can anyone drive on a traders policy?
Care must be taken to read the small print of each policy and adhere to any specific limitations. Click the link to find out more...
Does your trade insurance cover windscreens?
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 ...
Can I get Motor Trade Insurance for Commercial Vehicles?
What if you buy and sell commercial vehicles? How does this type of insurance work? ...
I need to drive a car that isn’t mine – can I do this under motor trade insurance??
With a motor trade road risks policy, you can guarantee cover to make sure you meet the minimum insurance requirements needed ...
Does Motor Trade Insurance Cover Loss of Earnings?
Known as Uninsured Loss Recovery (ULR), this is sometimes offered as additional coverage to clients who already hold an existing commercial motor trade insurance policy ...
How Many Vehicles can I add to my Motor Trade Insurance Policy?
Fortunately a motor trade insurance policy has no upper limit – meaning you can add as many vehicles as you wish ...

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