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Traders Breakdown Insurance
Breakdowns can happen at any time, and as a motor trader, your business depends on you to have the right cover in place to make things run smoothly.
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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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Overview
As a motor trader, you want to avoid any bumps in the road towards completing your work. However, even the most cautious and experienced trader has encountered a breakdown or two. Fortunately, we can help get the cover you need to prevent interruptions.
What is Breakdown Cover?
Breakdown cover is an additional element to your motor trade insurance that provides you with help if your vehicle experiences a breakdown or mechanical issue.
For motor traders, having the right breakdown cover ensures your business operations can continue running smoothly. Whether you’re on-site or on the road, you can claim for the necessary helping hand to get you back behind the wheel.
From roadside support to help get your vehicle running again, or vehicle recovery that can tow you to a garage for repairs, breakdown cover can be a lifeline in reducing downtime and financial losses gained from vehicle issues.
What Does Breakdown Cover for Motor Traders Include?
Our insurers’ breakdown covers are designed specifically for motor traders. Unlike traditional policies that cover a specific vehicle, this policy covers you, the driver, across multiple vehicles.
It can include roadside assistance to help get you back on the road quickly, as well as local recovery if repairs cannot be carried out on-site. What’s more, some policies even offer messaging relay to inform clients or suppliers about any delays to your services as a result of the breakdown.
If your vehicle fails to start at home, help can bebe dispatched to your location. Likewise, if you break down while collecting a vehicle from an auction house, you will be covered.
Why Do Motor Traders Need Breakdown Cover?
Having a form of breakdown cover in place alongside liability insurance will help avoid some disruptions to your business operations and prevent unnecessary financial loss.
As a motor trader who regularly drives various vehicles for sales, repairs, or deliveries, any disruption to your work can affect your clients and leave you out of pocket.
With a policy tailored to motor traders, you can continue your business with peace of mind, knowing that things will get moving again after a breakdown. If your vehicle won’t start at home, assistance will be provided to get you moving again.
If you experience a breakdown while transporting a vehicle from an auction house, you will receive support to ensure your journey continues smoothly. Even in cases where a customer is test-driving a vehicle and it unexpectedly breaks down, you can be covered.
How Much Is Breakdown Insurance For Motor Traders?
The cost of your cover depends on the policy you need, extra elements you require and the insurer you opt for. Luckily, we’re on-hand to find you the most competitive quote on the market and steer you in the right direction towards your breakdown policy.
Call us on 0113 312 0558 to discover more about breakdown cover for motor traders and get a quote for a traders’ policy designed specifically for your needs.
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
Once your policy is active, you will have access to breakdown assistance whenever you need it for an insurable event.
In the event of a breakdown, simply contact the provider, and a recovery team will be dispatched to assist you.
Roadside repairs will be attempted if you’re covered for them but if the issue cannot be resolved, other options will need to be considered. Often, if this is the case, the vehicle will be transported to a local garage for further work. If you opt for additional coverage, nationwide recovery and home start services can be available.
Your coverage should activate after 24 to 46 hours, depending on the insurer you’re with.
If you’re unsure about whether your policy has been activated, contact us on 0113 312 0558 to speak to a member of our team, so we can investigate further.
The breakdown cover applies to vehicles up to the following weight and size limits:
- For the 3.5T scheme, the maximum weight is 3,500kg, with a length of 7m, height of 3m, and width of 2.25m.
- For the 7.5T scheme, the maximum weight is 7,500kg, with a length of 8.5m, height of 3.5m, and width of 2.5m.