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Motor Trade Insurance, Car Dealers Insurance, Traders Insurance, Car Trade Insurance
What is it?
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Simply it is a Motor Trade policy that enables a Motor Trader to drive any vehicles he owns, is selling, or he is working on.
Who can buy a Motor Trade Policy?
Anyone who earns an income full or part time from the motor trade, from business premises, mobile or from home eg: Valeters, Auto Electricians, Mechanics, Motor Engineers, Motor Traders, Panel Beaters, Windscreen Repairers, M.O.T Stations, Trade Platers, Chip Repairers, and including anyone involved in Car Sales, Service or Repairs, Breakdown and Recovery, Car Delivery, Removal of Dents and Scratches, Auto Signwriting. Anyone who earns an income from buying and selling motor vehicles, or from working on them.It is a little more complicated if you also have another job and can be a little more expensive.
Motor Mechanics may wish to visit us at www.mechanicinsurance.co.uk
Anyone involved in car valeting may wish to visit our sister site
www.valeterinsurance.co.uk
Who can not buy a Motor Trade Policy?
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Someone not connected to the motor trade seeking only to insure a number of vehicles, or one highly rated vehicle cheaply. Some part time motor traders with some other driving jobs can be difficult.
What does a motor trade road risks policy cover?
There are only a limited number of insurance companies offering motor trade road risks policies and none of the policies give exactly the same cover. A few of the variations and extensions are detailed below.
Some motor trade policies (but not all) can be extended to cover vehicles at your home -otherwise they will cover you only whilst in the course of a journey.
Cover can be Comprehensive, Third Party Fire and Theft or Third Party Only. They will normally cover specified drivers whilst they are driving vehicles which either belong to the policy holder or are in the policyholders possession for motor trade purposes.
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LIABILITY INSURANCE
Motor Traders may also need Public Liability cover and if you employ other valeters, it is a legal requirement to have Employers Liability Insurance.
We can arrange these insurances very competitively.
EMPLOYERS LIABILITY INSURANCE
Employers Liability Insurance is a legal requirement if you employ anyone on either a
permanent or temporary basis. It is to protect you against any claim they may make against
you for injury. Courts will nearly always seem to award in favour of an employee and claims
can be very substantial - with just minor looking injuries costing employers tens of
thousands of pounds. Employers Liability cover cannot normally be taken out on it's own
- it is usually tied to a Public Liability policy.
PUBLIC LIABILITY INSURANCE
Public Liability policies can be purchased without the Employers Liability cover and
protect you against claims made by members of the public for damage or injury that you have
caused. This cover is not compulsory but must be bought if you also need Employers
Liability Insurance.
IMPORTANT
People employed by you to do work even on a "Self Employed" or "Sub-Contract" basis
are not members of the public and the only way you can protect yourself against claims made
by them is to arrange Employers Liability cover.
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For an INSTANT
Motor Trade QUOTE
Please call us on
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FREE PHONE
0800 043 3634
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Our Office Hours are from 9 till 5 - Monday
to Friday.
We also regularly monitor calls out of hours
so leave a message on the answering machine
if phoning during evening or weekends
QUICK MOTOR TRADERS INSURANCE QUOTE FORM
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