Garages & Motor Trade

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For all professional Motor Traders, whether working from trade premises or from your garage at home, either full or part time, we have a motor trade product to meet your business needs.

Our extensive range of products, can cover your own business vehicles as well as customers cars, recovery vehicles, vehicles used for demonstration purposes, trade plates, contents and public and employers liability covers - to name but a few!

  • Any location or size of garage
  • Business vehicles
  • Trade plates
  • Customer cars
  • Contents
  • Recovery vehicles
  • Public liability
  • Demonstation vehicles
  • Employers liability
  • Body repair shops & mechanicals
  • Road risks & internal risks
  • Business interuption
  • Buildings, stock & plant
  • Bespoke cover to match your needs
  • Highly competative rates

Motor trade Insurance provides protection for your business for all staff working with and driving most types of vehicles.  Motor Trade Insurance is only available to people working within the Motor Trade (either business premises or at home, full or part time) and proof of trading is quite often required prior to inception of cover.

Policies are usually split into two main categories, those being 'Road Risks' and 'Internal Risks'.  These can also be bought together to create a combined policy for the complete Motor Trader.

'Road Risks' covers all vehicles either belonging to, or, in the custody of your business for legal road use.  This is generally covered for business use, but can also be extended to cover employees using these vehicles for social use as well.  Three levels of cover are available that you will be familiar with, those being: comprehensive, third party fire & theft and third party only.

The second main section of cover is 'Internal Risks', which covers all other aspects of the business, apart from the 'Road Risks'.  This will typically include sections such as material damage (ie fire & theft etc), business interuption, vehicles kept on the premises, public and employers liability and stock in trade.  Several other add on sections are generally available in order to build up your policy to suit your specific needs.

These can include:

  • Inclusion of high risk vehicles
  • Protected no claims bonus
  • Motor legal expenses
  • Social domestic & pleasure use for employees

Don't leave your Insurance cover to chance, speak to us to ensure all your needs are considered when providing you with a quotation.

If we can't beat the price, we will always give the best advice.

 

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