The motor traders insurance policy only relates to the driver not the vehicle unline a private car insurance policy which relates to both. This means a motor trader when covered can can drive any vehicle as long as it is for motor trade purposes i.e. the policy covers a trader to drive any vehicle in his posession.

This is imperitive when a motor trader has many vehicles at once in order to:

• Sell
• Repair
• Demonstrate

Motor traders threaten a completely different risk factor to an insurance company so they require a specialised motor traders insurance policy. There are three types of motor traders policies and they are as follows:

Road Risks

This type of motor traders insurance covers a trader for any vehicles which he or she owns / or any vehicles which are currently in their posession linked through their business while they are away from the business premises.

Internal risks

Internal Risks Traders Insurance covers traders simply for liabilities incurred on the traders premises.

Combined road and garage

This motor traders policys covers both above including other risks added to the policy.

You must have your own premises if you are a motor trader otherwise the Insurers will not cover you. Even working from home will prove extremely difficult when attempting to get a quote.

Other Types of Insurance

[ Third Party Only ] [ Third Party Fire & Theft ] [ Fully Comprehensive ]
[ Motor Traders Insurance ] [ Fleet Car Insurance ]