Motor Trader Questions

Anybody who works within the the motor trade can know how critical the correct motor trade insurance is. It’s not only a case of getting the business up and running & ignoring insurance cover - finding the correct insurance cover is vital to run your motor trade business legally and safely.  Luckily, you have come to the right place for help!

You will find loads of different kinds of  motortrader policies available and the best one to go for is not always easy to find – the one you should pick has to fit your needs & the particular sector in which you operate. Garage owners as an example have totally different requirements to used car salesmen so the importance of doing the correct research cannot be overstated.

There follows some anwsers to general questions which we are frequently asked. Please speak to one of our friendly UK based advisors if you have any further questions.

Q: Would I need to get motor trade insurance cover?
A: If you are self employed withn the motor trade you’ll need a motor trade insurance policy. If you need to make a claim on your motor trader insurance policy you’ll have to provide proof  of your trading status by means of invoices and records.

Q: Can I use any existing NCB (No Claims Bonus) on my motor trade policy?
A: The first time you take out motor trader insurance  you can use mirror any existing NCB you may have and use it on your motor trader cover. This may take account aof your previous driving record & may lower the premium you have to pay.

Q: Will my Motor Trade Insurance plan cover my spouse or partner?
A: Most insurance companies can offer spouse protection on your motor trade policy. To get the best premium possible however, it is a good idea not to include them unless absolutely necessary as this will increase your cost.

Q:  If I have no purpose built business premises, can I still purchase a motor trade insurance plan?
A: Yes – we insure Mobile Mechanics and Traders operating from home as well as a variety of motor trades. A  ‘Road Risk Cover’ insurance plan is ideal for these situations, this covers any vehicles you may drive as part of your daily business activity.

Q: Whats a Combined motor trade policy?
A: Combined motor trade cover is protection for any vehicles left in your care.

Q: Is it possible to protect my NCB on my Motor Trader Policy?
A: Yes – most insurance companies offer a protected NCB option on their motortrade policies. This feature generally comes at an extra cost but gives you piece of mind that your NCB won’t be affected in the event you need to make a claim on your motortrader insurance policy.

We hope this info has been useful and answered any questions you may have, if you need more advice please e-mail for more information on Motor Trader cover at sales@insurance4motortrade.co.uk or call the number shown at the top of the page.

To make sure you’re getting the trade cover which is essential for you and your business, its vital that you get the correct insurance advice from a specialised motor trade insurance broker.  Standard car and van insurance quotes are just not enough for your motor trader needs and the cover is far too generic, it is always worth while discussing your insurance requirements in detail with an experienced advisor. Every motor trade business has unique and specific needs therefore it’s key that you get the coverage to suit.

The importance of proper research cannot be underestimated when you’re buying motor trade insurance cover. A specialist broker such as Insurance4Motortrade has years of experience in helping traders such as yourself compare prices and can tailor a bespoke policy which will save you a fortune, in fact we guarantee you the cheapest quote or your money back, you can’t say fairer than that!

For those who spend a bit of time to to do their homework you can find brilliant trader insurance cover at an exceptional price and once you have this you know your motor trade business is in safe hands.

* Take out an insurance policy with Insurance4Motortrade and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like for like basis, we will cancel the Insurance policy and issue you with a full refund.