{"id":125299,"date":"2020-01-16T13:37:29","date_gmt":"2020-01-16T13:37:29","guid":{"rendered":"https:\/\/startups.co.uk\/?p=125299"},"modified":"2023-01-20T16:25:38","modified_gmt":"2023-01-20T16:25:38","slug":"what-is-motor-trade-insurance","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/insurance\/what-is-motor-trade-insurance\/","title":{"rendered":"What is motor trade insurance?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text hash_url=&rdquo;&rdquo; ]<span style=\"font-weight: 400\">Thinking of starting a business involving vehicles? Then you&rsquo;ll need to get the <\/span><span style=\"font-weight: 400\">necessary insurance policies<\/span><span style=\"font-weight: 400\"> in place.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">Motor trade insurance is the umbrella term that covers the range of insurance policies that you&rsquo;ll need to take out. In fact, if you&rsquo;re planning on operating a business within the motor trade industry, you are obligated <\/span><b><i>by law<\/i><\/b><span style=\"font-weight: 400\"> to take out a motor trade insurance policy.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">Motor trade insurance covers you and your employees to drive both customer vehicles and company owned vehicles. It also covers any risks associated with your area of business, such as accidental damages or problems that are a result of faulty work carried out.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">You&rsquo;ll need to take out a motor trade insurance policy if you are starting up any of the following businesses:<\/span><\/p>\n<ul style=\"list-style-type: square\">\n<li><span style=\"font-weight: 400\">Car trader<\/span><\/li>\n<li><span style=\"font-weight: 400\">Vehicle recovery<\/span><\/li>\n<li><span style=\"font-weight: 400\">Tyre fitting<\/span><\/li>\n<li><span style=\"font-weight: 400\">MOT centre<\/span><\/li>\n<li><span style=\"font-weight: 400\">Valeting&nbsp;<\/span><\/li>\n<li><span style=\"font-weight: 400\">Mobile mechanics<\/span><\/li>\n<li><span style=\"font-weight: 400\">Body shop<\/span><\/li>\n<\/ul>\n<hr>\n<p>[\/vc_column_text]<\/p><div class=\"jumplinks-content\">\n <h3 class=\"jumplinks-content-title\">\n In this article on motor trade insurance, we will cover: <\/h3>\n <ul class=\"jumplinks-content-list\">\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-what-does-a-motor-trade-policy-cover\">What does a motor trade policy cover?<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-cheap-motor-trade-insurance-how-to-lower-the-costs\">Cheap motor trade insurance &ndash; how to lower the costs<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-examples-of-motor-trade-insurance-in-action\">Examples of motor trade insurance in action<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-choosing-the-right-motor-trade-insurance\">Choosing the right motor trade insurance<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-motor-trade-insurance-faqs\">Motor trade insurance FAQs<\/a>\n <\/li>\n <\/ul>\n<\/div>\n[vc_column_text ]\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-what-does-a-motor-trade-policy-cover\"><\/div>\n<\/div>\n[vc_column_text show_in_index=&rdquo;true&rdquo; title_index=&rdquo;What does a motor trade policy cover?&rdquo; title_type=&rdquo;h2&Prime; title=&rdquo;What does a motor trade policy cover?&rdquo;]\n<h2>What does a motor trade policy cover?<\/h2>\n<p>[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 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C98.3854327,4.98157762 98.1142638,4.98157762 97.9334846,4.98157762 C97.6623158,4.98157762 97.3610171,4.98157762 97.4212768,5.02037466 C97.4815366,5.02037466 97.7527054,5.02037466 97.843095,5.03977318 Z M10.7864935,4.05859596 C11.7205195,4.05859596 12.3231169,4.07799448 13.3174026,4.01979892 C12.3231169,4.03919744 11.7205195,4.0004004 10.7864935,4.05859596 Z M93.4369469,5.03977318 C93.5273365,5.03977318 93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><span style=\"font-weight: 400\">Motor trade insurance covers several different policies. These range from road risk only insurance to liability motor trade insurance.<\/span><\/p>\n <\/div>\n <\/div>\n[vc_column_text ]<span style=\"font-weight: 400\">We cover the different policies, and anything else you&rsquo;ll need to consider, in the section below.&nbsp;<\/span>\n<h3><strong>Road risk only insurance<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Road risk insurance covers you and your employees on public roads and properties when driving a vehicle for business purposes. You don&rsquo;t need to own the vehicle, but it does need to be registered on the Motor Insurance Database (MID).&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">The law requires you to take out at least road risk third party cover, but there are three options to choose from:<\/span><\/p>\n<h4>Third party<\/h4>\n<p><span style=\"font-weight: 400\">If you&rsquo;re worried about motor trade insurance costs, third party cover is the <\/span><b>cheapest<\/b><span style=\"font-weight: 400\"> and most <\/span><b>basic<\/b><span style=\"font-weight: 400\"> option. It covers injury, death, and damage caused by any vehicle connected to your business.&nbsp;<\/span><\/p>\n<h4>Third party theft and fire<\/h4>\n<p><span style=\"font-weight: 400\">An upgrade on the previous policy, this option covers any damage caused by your company to a third party vehicle, and covers your vehicle in the event of <\/span><b>fire or theft<\/b><span style=\"font-weight: 400\">.<\/span><\/p>\n<h4>Comprehensive (full cover)<\/h4>\n<p><span style=\"font-weight: 400\">The recommended option &ndash; fully comprehensive road risk insurance is designed to protect your business from all scenarios, including damage to the vehicle, fire, and theft. You can also use it to make a personal injury claim in the event of an accident.&nbsp;<\/span><\/p>\n<h3><strong>Liability motor trade insurance<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">If you have employees and customers on premise, and either repair, supply, or service cars, then you&rsquo;ll need to take out liability motor trade insurance. There are separate policies covering employee, public, product, and sales and services liability.&nbsp;<\/span><\/p>\n<p><b>Employers&rsquo; liability insurance &ndash; <\/b><span style=\"font-weight: 400\">protects your business against any claims made by your employees.<\/span><\/p>\n<p><b>Public liability insurance &ndash; <\/b><span style=\"font-weight: 400\">covers both you and your employees against claims made by customers and members of the public.<\/span><\/p>\n<p><b>Product liability insurance &ndash; <\/b><span style=\"font-weight: 400\">protects your business in the event of fitting a vehicle with a faulty product.<\/span><\/p>\n<p><b>Sales<\/b> <b>and services indemnity insurance &ndash; <\/b><span style=\"font-weight: 400\">covers you if you unintentionally sell a faulty vehicle, or if the work you or your employees carry out on a vehicle happens to cause problems<\/span><\/p>\n<h3><strong>Combined motor trade insurance&nbsp;<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Instead of taking out several insurance policies, you can take out one that covers you on a range of areas, including <\/span><b>road risk<\/b><span style=\"font-weight: 400\">, <\/span><b>liability<\/b><span style=\"font-weight: 400\">, and <\/span><b>contents<\/b><span style=\"font-weight: 400\">. This option is often cheaper than taking out seperate policies.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Just make sure that it covers all the things you need it to, and remember to take out any policies that your combined motor trade insurance doesn&rsquo;t cover.&nbsp;<\/span><\/p>\n<h3><strong>You may also need to consider that the policy covers&hellip;<\/strong><\/h3>\n<p><b>Combined premises cover &ndash; <\/b><span style=\"font-weight: 400\">Necessary if you run your motor business from a premises that isn&rsquo;t your home.&nbsp;<\/span><\/p>\n<p><b>Vehicle value payouts &ndash; <\/b><span style=\"font-weight: 400\">Important if you happen to write off a vehicle while it&rsquo;s registered under your business&rsquo; ownership.<\/span><\/p>\n<p><b>Additional occupations &ndash; <\/b><span style=\"font-weight: 400\">If you only work in the motor trade business part time, you may want to see if your policy covers you to use your vehicles for your other work, too.<\/span><\/p>\n<p><b>Additional drivers &ndash; <\/b><span style=\"font-weight: 400\">Make sure your insurance policy covers all of your staff. The cheapest option is to name individual drivers on the policy, but you can choose to insure all of your employees if you wish.<\/span><\/p>\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-cheap-motor-trade-insurance-how-to-lower-the-costs\"><\/div>\n<\/div>\n[vc_column_text show_in_index=&rdquo;true&rdquo; title_index=&rdquo;Cheap motor trade insurance &ndash; how to lower the costs&rdquo; title_type=&rdquo;h2&Prime; title=&rdquo;Cheap motor trade insurance &ndash; how to lower the costs&rdquo;]\n<h2>Cheap motor trade insurance &ndash; how to lower the costs<\/h2>\n<p>Getting the cheapest motor trade insurance for your business is all about shopping around and paying close attention to detail. When speaking to an insurance broker, consider and keep an eye on the following:<\/p>\n<ul>\n<li><b>Make sure there are no unnecessary add-ons<\/b> <b>&ndash;<\/b><span style=\"font-weight: 400\"> examples include Carriage Insurance (unnecessary if you don&rsquo;t transport vehicles on the back of a truck or lorry) and Demonstration Insurance (pointless if you&rsquo;re not a buyer and seller of cars)<\/span><\/li>\n<li><b>Keep the number of vehicles you&rsquo;ll have registered on the MID to a minimum<\/b> <b>&ndash;<\/b><span style=\"font-weight: 400\"> the lower the number of vehicles you have registered, the lower your risk<\/span><\/li>\n<li style=\"font-weight: 400\"><b>The better your storage and security, the cheaper the premium<\/b> <b>&ndash; <\/b><span style=\"font-weight: 400\">if your vehicles are stored off the road or in a garage, you&rsquo;ll be considered a lower risk<\/span><\/li>\n<li><b>Don&rsquo;t deal with classic, HGV, high-performance, or modified vehicles<\/b> <b>&ndash; <\/b><span style=\"font-weight: 400\">these are generally higher value, more expensive to fix, or more likely to break down, making them more expensive to cover<\/span><\/li>\n<li><b>A higher excess <i>&ndash;<\/i><span style=\"font-weight: 400\"> the more you&rsquo;re prepared to pay upfront in the event of an incident, the cheaper your cover<\/span><\/b><\/li>\n<li><b>Pay your premium in one lump sum &ndash; <span style=\"font-weight: 400\">as standard across the majority of insurance policies<\/span><\/b><\/li>\n<li><b>Build up your no claims bonus &ndash; <span style=\"font-weight: 400\">you receive a no claims bonus for each consecutive year you don&rsquo;t claim. The more years no claims you have, the lower your risk <\/span><\/b><\/li>\n<li><b style=\"font-size: 15px\">Only employ drivers with no convictions &ndash; <\/b>having a conviction automatically says to the insurance company that you&rsquo;re a higher risk, making you more expensive to insure<\/li>\n<\/ul>\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-examples-of-motor-trade-insurance-in-action\"><\/div>\n<\/div>\n[vc_column_text show_in_index=&rdquo;true&rdquo; title_index=&rdquo;Examples of motor trade insurance in action&rdquo; hash_url=&rdquo;&rdquo; title_type=&rdquo;h2&Prime; title=&rdquo;Examples of motor trade insurance in action&rdquo;]\n<h2>Examples of motor trade insurance in action<\/h2>\n<p><span style=\"font-weight: 400\">How does motor trade insurance apply to your business?&nbsp;<\/span><\/p>\n<h4><span style=\"font-weight: 400\">Buying and selling cars for profit<\/span><\/h4>\n<p><span style=\"font-weight: 400\">Road risk insurance allows you to have more than one vehicle registered on the MID. This means you&rsquo;ll be able to drive and sell more than one vehicle at a time.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">You&rsquo;ll need to make sure your policy covers you for demonstrations and stock protection, and you may even want to think about whether it covers you in the case of theft or damage while your vehicles are in transit.&nbsp;<\/span><\/p>\n<p>Check out our guide to <a href=\"https:\/\/startups.co.uk\/guides\/how-to-become-a-car-trader\/\">starting a motor trade business<\/a> for more information on buying and selling cars for profit.<\/p>\n<h4><span style=\"font-weight: 400\">MOT and servicing<\/span><\/h4>\n<p><span style=\"font-weight: 400\">Make sure your motor trade policy insures you to drive customer vehicles. This means you&rsquo;ll be able to test them, and drive them to and from your customers&rsquo; location.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">It may be a good idea to cover your expensive tools and equipment, and include sales and service liability just to cover you in case any modifications you make or parts you install become faulty.<\/span><\/p>\n<h4><span style=\"font-weight: 400\">Valeting&nbsp;<\/span><\/h4>\n<p><span style=\"font-weight: 400\">If you own a valeting business, or you&rsquo;re looking to start one, make sure you take out a motor trade insurance policy that includes road risk cover and tools and equipment cover. This means you&rsquo;ll be insured to drive customer vehicles, and all of your expensive valeting equipment will be covered, too.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you&rsquo;re operating your business from a business premises, make sure your policy includes public liability &ndash; and if you employ staff, you&rsquo;ll need employer&rsquo;s liability cover, too.<\/span><\/p>\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-choosing-the-right-motor-trade-insurance\"><\/div>\n<\/div>\n[vc_column_text show_in_index=&rdquo;true&rdquo; title_index=&rdquo;Choosing the right motor trade insurance&rdquo; title_type=&rdquo;h2&Prime; title=&rdquo;Choosing the right motor trade insurance&rdquo;]\n<h2>Choosing the right motor trade insurance<\/h2>\n<p><span style=\"font-weight: 400\">As you&rsquo;ve probably gathered, getting the right motor trade insurance for your business can be a minefield. The best way to ensure you&rsquo;re completely covered is to get in touch with a broker. They&rsquo;ll ask you in depth questions about your business, then recommend the right policy for you, without trying to sell you unnecessary add-ons.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400\">Whether you think getting motor trade insurance is worth it or not, remember that it is a <\/span><b><i>legal requirement<\/i><\/b><span style=\"font-weight: 400\">. Without it, you could face fines, court costs, and even a prison sentence.<\/span><\/p>\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-motor-trade-insurance-faqs\"><\/div>\n<\/div>\n[vc_column_text show_in_index=&rdquo;true&rdquo; title_index=&rdquo;Motor trade insurance FAQs&rdquo; title_type=&rdquo;h2&Prime; title=&rdquo;Motor trade insurance FAQs&rdquo;]\n<h2>Motor trade insurance FAQs<\/h2>\n<h3><span style=\"font-weight: 400\">Do I need motor trade insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Yes! If you operate a business within the motor trade industry and you don&rsquo;t have motor trade insurance, you&rsquo;re breaking the law. If found out, you could face fines, court fees, and even a prison sentence.&nbsp;<\/span><\/p>\n<h3><span style=\"font-weight: 400\">Can anyone get motor trade insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400\">To be eligible for motor trade insurance, you must operate a business within the motor trade industry. This could be buying and selling cars, MOT and servicing, valeting, tyre fitting, and so on. You&rsquo;re also eligible for motor trade insurance if you work in the motor trade industry part time.<\/span><\/p>\n<h3><span style=\"font-weight: 400\">How should I apply for motor trade insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400\">Make sure you apply for motor trade insurance through a broker. They&rsquo;ll be able to offer you the best deal for the cover you need.&nbsp;<\/span><\/p>\n<h3>What if I have a complaint?<\/h3>\n<p>If you feel dissatisfied with any aspect of our service, then in the first instance please contact The MVF Complaints Team at&nbsp;<a class=\"c-link\" href=\"mailto:dataprotection@mvfglobal.com\" target=\"_blank\" rel=\"noopener noreferrer\" aria-describedby=\"slack-kit-tooltip\">dataprotection@mvfglobal.com<\/a>. We will immediately carry out an independent investigation of your complaint and will provide a written response.<\/p>\n<p>If we cannot resolve your complaint within three business days, we will refer your complaint to our principal firm, Resolution Compliance Limited, to complete and communicate the outcome of the investigation to you.<\/p>\n<p>If we are unable to resolve your complaint to your satisfaction and you are an eligible complainant as defined by the Financial Conduct Authority, you will have recourse to the Financial Ombudsman Service:<\/p>\n<p><strong>The Financial Ombudsman Service<\/strong><br>\n<strong>Exchange Tower<\/strong><br>\n<strong>London E14 9SR <\/strong><br>\n<strong><a href=\"mailto:complaint.info@financial-ombudsman.org.uk\">complaint.info@financial-ombudsman.org.uk<\/a> <\/strong><br>\n<strong>020 7964 1000 (switchboard)<\/strong><\/p>\n<hr>\n<p>[\/vc_column_text][vc_column_text ]<em>startups.co.uk is a trading name of Marketing VF Limited which is an Appointed Representative of Resolution Compliance Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 574048).<\/em><\/p>\n<hr>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text hash_url=&rdquo;&rdquo; ]Thinking of starting a business involving vehicles? Then you&rsquo;ll need to get the necessary insurance policies in place.&nbsp; Motor trade insurance is the umbrella term that covers the range of insurance policies that you&rsquo;ll need to take out. In fact, if you&rsquo;re planning on operating a business within the motor trade industry, you [&hellip;]<\/p>\n","protected":false},"author":91468,"featured_media":125300,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3001],"tags":[],"acf":[],"yoast_head":"\n<title>What is motor trade insurance? - Startups.co.uk<\/title>\n<meta name=\"description\" content=\"What is motor trade insurance and why do you need to take out a policy if you&#039;re starting a business within the car industry. 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