Road Risk Motor Trade Cover

Motor Trade Insurance With Coversure

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Road Risk Motor Trade Insurance

Looking for competitive motor trade insurance that doesn’t compromise on the quality of cover? Then talk to your local Coversure office today. Since 1986 we’ve been helping all sorts of vehicle dealing professionals get the high-quality protection they need for a competitive premium. Thanks to our extensive network of insurer relationships, we can tailor our cover around your needs. So, whether you are full-time, part-time, trade from home or a dealership, work in sales or repairs, we can help you get the motor trade cover that’s right for you.

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To see how much Coversure can save you on high-quality motortrade insurance, just complete this short form and we will get back to you as soon as possible:

What Is Motor Trade Insurance?

This may sound like a silly question, but motor trade cover can offer benefits to more than just those who buy and sell cars. It can, in fact, be taken out by anyone who runs a business involving vehicles. So, if your business delivers vehicles, repairs vehicles, valets them or operates a breakdown and recovery service, then you too can get the protection you need with a road risk motor trade policy from Coversure.

Why You Need Cover: 'Care, Custody and Control'

From an insurer’ point of view when a business takes a customer’s vehicle, they are taking it into their ‘care, custody and control’. This typically means that while its in your business’s possession you are liable for it and so need specialist protection. If you need to take it on the road – to check a repair, take a customer on a test drive or get it back from an auction or seller’s property – then you will need a road risk option too.

What Does a Motor Trade Policy Cover?

What’s included in a policy is very much up to you. At Coversure we appreciate the fact that no two businesses are the same and that cover that’s right for one, may not be right for another. That’s why we like to take the time to talk to you to so we can understand your exact needs before building a policy that protects what matters to you. A typical motor trade policy can give you protection for:

  • Road risks – this allows you to drive your own and others’ vehicles on the road as part of your day-to-day business
  • Business contents – including your stock of vehicles
  • Home contents - with the option of accidental damage. Valuable if you are trading from home
  • Loss of money
  • Public liability Insurance – in case someone is injured or has their property damaged while on your premises
  • Employers’ liability insurance – a legal requirement if you employ staff
  • Product liability insurance – should a product you use or recommend cause damage or harm
  • Material damage – this can provide cover for damage done to any stock vehicles or equipment you own, such as unsold vehicles you own as a car seller
  • Extra drivers – if your employees drive customers’ cars then you’ll need to decide between an ‘any driver’ policy or adding a number of named employees as extra drivers. In many cases, the latter will be cheaper
  • Vehicle types – you must make sure your insurance covers you and your staff to drive the necessary vehicle types, whether it’s cars, vans or HGVs

Coversure’s cover also gives you:

  • Free legal assistance and advice - 24/7 365 days a year by our advice hotline
  • Total incident management - so you won’t be on your own in the event of a problem

And when it comes to motor dealers we can offer:

  • The transfer of your no-claims discount from your private car
  • Automatic cover for own vehicle as standard
  • Demonstration options
  • Legal liability

And for motor service industry workers we can offer:

  • Cover for most motor service occupations, e.g. mechanics or car valeters
  • Cover for private vehicles
  • The option of comprehensive, third-party fire and theft or third-party only cover
Motor Trade Insurance Coversure

Which Professions can Motor Trade Insurance Cover?

Coversure can offer cover to a wide range of professionals and so long as you have 2 years’ no-claims (either private or motor trade) then we can help:

  • Car dealerships – including sales and servicing
  • Vehicle recovery and collection
  • Garages - mechanical repairs, tuning and servicing, including trucks and HGVs
  • Body shops - offering crash damage, restorations as well as panel repairs and paint shops
  • Valeters – for small cars up to large trucks as well as prestige valeters or detailers
  • Windscreen fitters
  • Exhaust and tyre fitters
  • Accessory fitters
  • Petrol stations
  • Vehicle delivery companies

Optional Motor Trade Covers

As we say, no two businesses are alike and that’s why we also offer a range of optional extras that are tailored to the needs of trading businesses. These include:

  • Buildings protection - with the option of accidental damage
  • Personal belongings
  • Personal injury protection
  • Home and garden packages - so you can protect your world with a single policy
  • Specified business equipment protection
  • Business interruption and loss of income - great peace of mind to self-employed business owners
  • Goods in transit insurance

Motor Trade Insurance FAQ

This is a complex area of insurance, so to try and help you get the cover you need here are a few answers to our frequently asked questions. Of course, the best way to find the answers to your questions is by speaking to one of the Coversure team.

Who Can Get a Motor Trade Insurance Policy?

While our cover is firmly aimed at small, independent traders, anyone who operates within any aspect of the motor trade industry - such as dealers and mechanics - can get great cover from Coversure.

Is Motor Trade Insurance a Legal Requirement?

Yes. If you run a motor trade business – either from home or from premises – then you are legally required to have cover. Whether you’re running the business on a full or part-time basis, you must have at least third-party insurance in place.

Do You Have to be a Full-Time Trader?

No, you can work part-time or even on a casual, intermittent basis. So long as you can demonstrate that you are a trader - by showing sales receipts or other proof of trading – then you can qualify for a policy.

Can I Get a Policy to Cover Multiple Privately-Owned Cars?

No, this is only for those who are actively engaged in the buying, selling, maintaining or moving of vehicles

Are there Exclusions on what can be Covered?

Some vehicles are excluded from trade policies - in particular certain high-performance cars and motorcycles can be an issue. To find out more about the policy exclusions, please contact your local Coversure office and they will be only too happy to help.

Why Choose Coversure? Over 97% Customer Satisfaction Score

With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.

Like Some More Help?

Coversure's offices have years of experience in providing great value insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.

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