Coversure Insurance Services
Coversure Huntingdon Motor Trade Insurance

Motor Trade
Insurance

Welcome to Coversure, one of the UK's independent road-risk motor insurance providers. Since 1986 we've helped hundreds of independent motor traders get great cover for a great price with service that's second to none. Whether you're new to motor trading or have an established business, let Coversure Huntingdon help you get great quality cover for a premium you'll like. To get your quote call us free 0333 400 3751 or start your quote here.

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Which Trades Can We Insure?

Motor trader insurance through Coversure is not only highly-competitive, it can also be tailored to the needs of specific trades, including:

Motor
Traders

Buying and selling on a full or part-time basis? Then this is the cover for you.

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Vehicle
Mechanics

Buying and selling on a full or part-time basis? Then this is the cover for you.

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Breakdown and
Recovery

Buying and selling on a full or part-time basis? Then this is the cover for you.

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Vehicle Delivery
& Collection

Buying and selling on a full or part-time basis? Then this is the cover for you.

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Cover From £2 Per Day – Call 0333 400 3751 Now

Motor Trade Road Risk Insurance – Who Is It For?

The road risks motor trade cover through Coversure has been specially created to protect the needs of sole traders and small businesses involved in the buying and selling of vehicles. In doing this you are obviously going to need to drive these vehicles on the road – be that to get them back from an auction or to allow a customer to take them on a test drive. As private motor insurance does not provide appropriate cover, motor trade road risks insurance is an essential protection that all traders need to have.

The policy we offer has been specifically tailored to give you cover for all your vehicles – both the ones you own and those in your custody or under your control. And being a road risk policy, it's ideal for traders who are just starting out or are working from home as it's an affordable way to give your business the legal protection it needs to trade.




What Does The Policy Cover?

At Coversure we understand 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 will give you protection for;

Motor Trade Insurance Quote
  • Business Contents – including your stock of vehicles
  • Home Contents - with the option of accidental damage
  • 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

The cover through Coversure 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
  • Legal advice

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 traders. 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 cover
  • Business Interruption and Loss of Income cover which gives great peace of mind to self-employed business owners
  • Goods In Transit Insurance

What Levels Of Cover Are Available?

As with most types of vehicle policies there are three basic road risk motor trade policy options;

  • Third-Party – which gives you the legal minimum amount of protection and will cover your liability if you are involved in an accident that's your fault and which results in a claim for third party damages. It won't cover repairs to your own vehicle however.
  • Third-Party, Fire and Theft – as well as covering you in the event of an accident that's deemed to be your fault, this level of policy will also cover you against fire damage and the theft of a vehicle. It won't, however, pay for any repairs to your vehicle outside of this remit.
  • Fully comprehensive – again, as with car insurance, this will cover both the car you're driving and any other vehicle that's involved in accident that's your fault.


Motor Trade Insurance FAQ

Insurance for the motor trade industry is a complex subject, so to try and help you get the cover you need here are a few of the more common questions we are asked. Of course, the best way to find the answers to your questions is by speaking to one of Coversure's friendly, experienced team by calling them on 0333 400 3751 or by sending us a message here.

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 cover.

Is Motor Trade Insurance A Legal Requirement?

The short answer is 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 or maintaining 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 speak to one of the team by calling 0333 400 3751 and they'll be only too happy to help.

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