Motor Trade Insurance

Here do I Get Motor Trade Insurance Quotes?

Companies that provide motor trader insurance:

• Axa
• Footman James
• Norwich Union
• Monthly MotorTrade Insurance
• Premierline Direct
• Insurance Choice
• Blackfriars

Axa

AXA Insurance's Motor Trader combined policy lets you pick and mix the type of cover you need to protect your business including:

Road Risks

Cover for vehicles used on the public highway.

Material Damage

"All risks" cover for buildings, contents, stock and vehicles.

Public Liability Servicing and Sale of Goods

Cover for your legal liability for injury to other people or damage to their property.

Optional extras

• Business Interruption To cover loss of profits from insured events such as fire or flooding
• Employers Liability To meet your legal liability for damages as a result of injury or illness to employees working for you
• Selected All Risks To cover specified items located within the UK
• Engineering inspection cover To cover inspection of plant required by UK law
• Goods in Transit - Own Goods For loss or damage to your own property while in transit in your own vehicles
• Theft by Employees To protect you against loss of money or property as a result of employees' dishonesty
• Commercial Legal Expenses For solicitors' fees and expenses, barristers and witnesses, court costs, and opponents' costs if the verdict goes against you
• Computer Insurance To cover loss or damage to computer equipment and valuable records
• Deterioration of Stock For stock made unusable as a result of unforeseen deterioration
• Group Personal Accident and Sickness Cover for you and your employees for bodily injury or inability to carry out normal working activities

Axa Tel: 0845 3000 678, Mon - Fri : 8am - 6pm.

Footman James

Established in 1983, West Midlands-based Footman James provide cover for the motor trade and motor industry, including wedding hire and chauffeur hire.

They also have a specialist department that's popular with vintage and classic vehicle buffs and clubs that concentrates on the more unusual type of vehicle - steam traction engines, low loaders, farm and military vehicles.

Footman James will cover anything on wheels including classic and modern motorcycles - anything and everything from a classic Bonnie to a modern Kawasaki.

Products liability for kit car manufacturers - not always the easiest type of cover to come by due to the risks involved - can also be insured.

You can even buy into Road Rage personal accident and bikejacking cover.

Choose from:

Motor Trade Road Risks

Cover as a buyer and seller of cars for any vehicle owned by you or in your care or control as a motor trader. Choose from the three standard levels of cover - Comprehensive, Third Party Fire and Theft or Third Party Only.

Motor Trade Combined Insurance

Depending on your specific business needs, investigate the single Footman James Motor Industry Combined policy for vehicles, premises, your liabilities as a motor trader and an employer, business interruption, money and assault, and employees.

Enthusiast Clubs Combined Insurance

This package has whistles and bells - property damage, business interruption, money cover, goods in transit, employers liability, public liability, products liability, libel and slander and professional indemnity.

Exhibition Organisers Insurance

Staging an exhibition? The list of things that could go wrong is exhaustive - cancellation, loss of property, damage to equipment or worse, injury to a member of the public.

This covers property damage, cancellation, employers liability, public liability and stand personnel insurance.

Footman James Tel: 0845 330 1662

Norwich Union

The Norwich's e-broking site has a dedicated section on commercial insurance with packages to suit most motor traders.

To buy any of the policies, you must go through your insurance broker.

The Motor Trade policy from Norwich Union is aimed at motor traders of any size working in the following areas:

Sale/repair of new or used cars, caravans, motorcycles or commercial vehicles.

• Bodywork coachbuilders or repairers
• Tyre and exhaust fitters
• Auto electricians
• Agricultural vehicle engineers
• Vehicle audio and security installers

Key benefits

Full all risks on your property including machinery and tools anywhere in the UK.

Cover for stock in transit, plus your vehicles and customers' vehicles at your premises or on the road.

Choose your road risks covers - driving by you, your spouse and your employees, with options to include driving by relatives/friends/named drivers; loan or hire of vehicles; unaccompanied demonstration; private hire; windscreen.

You can also tap into:

• Services from the RAC, HPI, Norwich Union Driveaway and Bureau Veritas
• Free advice and discounts on fire and security equipment such as alarms, locks and CCTV.
• A telephone-based counselling service for you and your staff for stress, bullying in the workplace, discrimination, bereavement, debt, etc
• Confidential legal and tax helpline for disputes with employees or customers, or bad debts
• Risk Service Helpline for advice on issues such as health and safety, fire protection and security.

Monthly MotorTrade Insurance

It almost sounds like a motor mag, but it's not. It is, however, in one of the top ranking positions if you search online for motor trader insurance, so we thought we'd better investigate.

As the name suggests, the main selling point of Surrey-based Monthly MotorTrade Insurance - a trading name of CoverSelect Ltd - is that they sell premiums monthly so you don't have to pay a whole year upfront.

Road Risks

Monthly MotorTrade Insurance Road Risks cover is available on a Third party only or Comprehensive basis, whether you work from home, trade premises or are a mobile operator.

It'll cover you to drive the vehicles on the road and, if you have a comp policy, for fire, theft and malicious damage at the home of any driver on the certificate of insurance.

But they don't cover vehicles while at trade premises.

Age

Policyholders must be over 25 and under 70, with cover for up to 7 named drivers.

Other drivers can be over 21 and under 70. For drivers under 21, cover is Third Party Only.

A max of 2 young drivers can be included in the comp policy - young drivers are people aged between 21-24 years old.

Eligibility

You're not eligible for cover if:

• You're in the vehicle scrap/salvage, delivery, broking or inspection business
• You sell, repair or service high value/performance vehicles or motorcycles (prestige, fibreglass, American, kit)
• You deal in after-sales modifications - e.g., body kits, turbo installers
• Drivers who won't be considered are:
• People in the entertainment industry
• Professional sportspeople
• People connected with nightclubs, circuses, fairgrounds, amusements or street trading
• Public House landlords
• Students (full time)
• Unemployed

Policies are underwritten by The Royal & Sun Alliance.

Monthly MotorTrade Insurance Tel: 08707 87 35 16

If you use the tel. no. to ask for a quote, they charge a fiver, which they'll add to your quote.

Premierline Direct

A subsidiary of Allianz Insurance plc - one of the UK's largest insurers and part of the global Allianz Group - Lancaster-based Premierline Direct launched in January 2002 as the Britain's first direct operation selling business insurance and nothing else.

Its motor trade policy looks flexible enough to meet the needs of car showroom, a repair workshop or a petrol station and covers the assets, legal liabilities and earnings of your business.

The standard policy provides cover for material damage, motor vehicle road risk and public and products liability.

Optional extras include MOT loss of license and business interruption cover. So confident are Premierline Direct that they can save you money on your motor trader insurance that they guarantee to beat your renewal premium by at least 10%.

To qualify for the deal, you must have been trading for at least a year and not made more than one claim in the last year (claim amount must be less than £5,000).

Tel: 01524 597900
w. premierlinedirect.co.uk

Insurance Choice

Warwickshire-based online broker Insurance Choice tailor motor trade policies to suit trades providing a full/part-time service to the motoring trade/public at home/mobile or premises.

Trades include:

• Motor Mechanics
• Motor Engineers
• Tuners
• Servicers
• Repairers
• Panel Beaters
• Car and Van Valeters
• Breakdown/Accident Recovery Operators

All trades are considered for Public and Products Liability and where relevant Employers liability.

• Public Liability Insurance and Employers Liability Insurance - up to £1m or £5m
• Employers Liability cover - £10m as standard

Demonstration cover, specialist vehicles, prestige vehicles and sports vehicles can also be covered.

Unusually, they will consider policyholders aged 23 and over, and even 22 with earned no claim bonus considered.

For a quote, you simply fill in your contact details, click submit and their Business Sales Team will contact you to discuss your requirements.

Phone - 0844 55 77 640
w. insurancechoice.co.uk

Blackfriars

Based in Cheshire, Blackfriars Insurance Brokers Ltd specialise in commercial insurance and business insurance and will cover most trades in the motor industry including:

• Main dealer
• Car dealer at home
• Crash and body repairer
• Exhaust, tyre amd windscreen fitter
• Importer
• LPG converter
• Mobile motor mechanic
• Motor cycle dealer
• Motor cycle tester
• Motor trader
• Parking jockey
• Repossession agent
• Restorer
• Scrap dealer
• Selling vehicles
• Specialist dealer
• Trade plater
• Twister
• Valeter
• Vehicle collector

On offer are:

• Combined Motor Trade (Road Risks, Liabilities and Property Damage)
• Road Risks Only (third party, third party fire and theft and comprehensive)
• Motor Trade Liabilities (Public Liability, Product Liability and Employers Liability)
• Engineering Inspection Services

Blackfriars Phone: 0845 838 7960 (office hours)
w. blackfriarsgroup.com