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Motor Trade Insurance
No matter what type of trader you are, you need to protect your business. Whether you are a part-time motor trader, mobile mechanic, or car seller, we’ll find tailored motor trade insurance that suits your work.
How It Works Get Insured In Three Easy Steps
Click the button on the right or call us for a free quote.
We'll guide you through policies and prices.
Get insured today. Pick a policy, and we'll sort everything.
Every business is different. Whether you buy and sell vehicles part-time or operate MOT services from your own premises, it’s vital that you have the proper protection if the unexpected happens during your working day.
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Levels Of Cover
Third-Party Only
The most basic level of cover, providing protection against injury or damage caused to others and their property by a vehicle on your policy when used for business.
Third-Party, Fire & Theft
Includes third-party cover plus protection for customer vehicles in cases of fire, accidents, or theft linked to your business.
Comprehensive
Covers everything in third-party fire and theft, with added protection for accidental damage and personal injury. Some policies may also include vandalism and windscreen cover, depending on the insurer.
Combined Cover
The most extensive option, offering tailored cover based on your business’s specific needs. Choose from premises and tool cover, liability, and more alongside road risk.
Find out what we can cover for you
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Third-party, fire, and theft covers loss or damage due to fire, lightning, explosion, theft, or attempted theft.
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Vehicle accessories and equipment may be covered depending on your policy.
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Legal liability covers your responsibility for injury or death caused by an insured vehicle.
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Additional business coverage may include public and employers’ liability, tools and equipment, business premises, stock vehicles, and part-time traders.
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Non-trade vehicle use including personal use, depending on your coverage.
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Vehicle accessories and equipment may be covered depending on your policy.
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Demonstration cover is available as an optional extra for car sellers to allow test drives.
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Parking restrictions mean there is no coverage for loss or damage if the vehicle is parked near a motor trade premises.
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Unsecured vehicles that are left unlocked or unattended without proper security are not covered.
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Unlicensed or invalid drivers including those who are disqualified, have never held a licence, or do not have a valid licence are not covered.
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Key-related losses are not covered if the keys are left inside or on the vehicle.
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High-performance and exotic cars may not be covered or could be subject to policy conditions.
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Driving under the influence of drugs or alcohol will void coverage.
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General wear and tear including depreciation, tyre damage, and brake wear is excluded from coverage.
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Overview
At Unicom Insurance, we understand that no two motor trade businesses are the same. With years of experience, we offer customised policies to protect your business, employees, and vehicles. Our award-winning service ensures you get the best possible coverage at a competitive price.
What is Motor Trade Insurance?
Motor Trade Insurance is a specialist policy designed for businesses operating in the motor trade industry. Whether you buy, sell, repair, or service vehicles, this insurance provides essential protection against risks associated with your trade. It offers the flexibility to cover both business-owned and customer vehicles.
What Can Motor Trade Insurance Cover?
The type of motor trade cover you need depends on your business’ needs. Here are just some of the options available when looking at motor trade insurance policies:
- Road risk insurance covers you while driving a customer’s car or stock vehicles.
- Liability insurance protects against claims from employees or customers.
- Premises insurance covers buildings, tools, and equipment.
- Demonstration cover allows potential buyers to test drive vehicles.
What Are The Benefits Of Motor Trade Insurance?
A motor trade policy enables traders like you more flexibility and potentially covers numerous vehicles. Unlike a private car policy where the policy is adjusted to cater for a particular vehicle, the right motor trade policy covers multiple vehicles and allows you as the policy holder the responsibility to add/remove vehicles from the Motor Insurance Database (MID).
Who Needs Motor Trade Insurance?
If you work in the motor trade on a full or part-time basis and make a profit, you may need motor trade insurance. This type of policy is essential for anyone operating in the motor trade industry, which includes the following professions:
- Mechanics
- Car dealers
- Valeters
- Vehicle repairers
- Recovery agents
- Auto electricians
- MOT testers
- Tyre fitters
- Windscreen fitters
- Vehicle body builders
How Much is Motor Trade Insurance?
The cost of motor trade insurance varies based on several factors, including the type of business and services provided, the number of vehicles covered, driver age and experience, business location, and claims history.
Each of these elements influences the overall price of your policy. However, we’re here to help find you the policy you need for your work at the best price. From insurance for mechanics to liability and tools in transit cover, we’ll track down what you need, so you can concentrate on your work knowing you’re covered.
Contact us on 0113 312 0558 now to get on the road to insuring your motor trade business now.
Why Choose Unicom?
As a motor trader, you need a broker that understands how your business works. From us, you can expect:
Expert Advice
Not only do you get tailored policies, but we'll give expert advice to go with it.
Affordable Cover
Our teams will find you the best premium rates amongst our panel of insurers.
Bespoke Policies
We'll get your business truly tailored cover with our motor trade combined coverage.
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Discover how much you can save on your insurance now.
Frequently Asked Questions
Your policy can cover stock vehicles, customer vehicles, and business-owned vehicles used for trade purposes.
Your policy can include named drivers, employees, and sometimes relatives or spouses. Age restrictions may apply, especially for drivers under 25.
Whether you can add a personal car to your policy depends on the insurer and cover you opt for.
If you want a motor trade policy that will include your own vehicle, just let us know during the application process.
Our experts will advise you every step of the way to ensure that you’re insured with the correct policy. Call us on 01133 120 554 to get the ball rolling towards getting insured.
Some insurers will allow you to transfer a no-claims discount from another motor trade policy or, in some cases, from a private policy.
If transferring your NCB is essential for you, then let us know when you apply for your insurance and we can do our best to find the right policy for you. Call us now on 01133 120 554 to get insured and find out how much you can save.
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