To be eligible you must meet the following criteria:
Age 23-69 holding a Full UK Licence
Maximum vehicle indemnity of £30000
Excludes Any Driver policies
Excludes Northern Ireland

Can I use a No Claims Bonus from my car or van insurance policy for Motor Trade insurance?

With our Motor Trade policies there are two options open to you if have No Claims Bonus from private car/van insurance.

You can transfer your bonus across from a private car or van policy on to a motor trade policy OR if you wish to retain your Private Car Insurance or Van we can “mirror” the existing amount on to a Motor Trade policy (subject to certain criteria)

Is there an age limit on Motor Trade insurance?

You must be between the ages of 23-69 to be eligible for Motor Trade Insurance. If you are outside of this age range, please contact our office and speak to an insurance advisor.

How do I ensure I qualify as a Motor Trader for insurance purposes?

The definition of a motor trader is a person or persons actively operating a formal business on a full or part-time basis for profit, either selling vehicles or providing a service relating to repair or maintenance of motor vehicles.  In the case of a car trader it would be their stock of vehicles held for sale and for repairers and similar occupations, the cover would be required to drive their customers cars. To ensure that you qualify for this Motor Trade Insurance, your business must be connected with the Motor Trade. In the unfortunate event of a claim on the policy you may be asked to provide trading records in relation to your Motor Trade business

Do I have to be a Full Time Trader?

No, but the policy covers you for use in connection with the Motor Trade use only. If you have another occupation outside of Motor Trade you can request additional cover for that work (normally at an increased cost) i.e. a builder may wish to cover his vans in connection with his building work.

What is Demonstration Cover?

This provides cover for a prospective purchaser to test drive your vehicles under your policy. The policyholder must accompany the driver at all times. An additional premium may apply. (Certain restrictions apply to this cover that will be explained at the quotation stage)

Will all my vehicles be covered within the policy?

All vehicles covered on the policy MUST be registered to the proposer, OR held temporarily in your custody for motor trade purposes. Any vehicles not meeting these conditions are not covered by the terms of the policy.

What sort of Vehicles can be covered?

Most types of vehicle can be covered but the more unusual, expensive, high performance vehicles or motorcycles may be subject to restricted cover or excluded entirely.

Who is entitled to drive vehicles on my Motor Trade policy?

Some policies cover only "named drivers", others will cover virtually anybody who you give permission to including your employees, relatives and friends. Remember though the greater the degree of flexibility you require over drivers then the more your premium is likely increase. oUK legislation. These include household names

Can I get immediate cover over the phone?

YES - in some cases this may be subject to you paying at least a deposit premium on a credit or debit card.