What is Coach Trimmers Motor Traders Insurance?
Coach trimmers motor traders insurance is a type of motor trade insurance for businesses that specialise in doing interior work on a range of vehicles, including upholstery and interior restoration and customisation.
Not all motor trade insurance provide the level of cover required for working as a coach trimmers, so it’s definitely a good idea to tailor your policy it’s perfectly suited to the needs of your business.
It’s very easy to get coach trimmers motor traders insurance but before you do, it’s a good idea to read through the rest of the information on this page so you can make the most informed decision when taking out cover.
What the experts say…
“Working on customer vehicles comes with a lot of responsibility, especially when you're carrying out intricate interior work. This being the case, you want to know that you're fully protected for all the main risks. Coach trimmers motor traders insurance will protect you and your business for all major risks so you can operate with full peace of mind.”
– Ian Beevis, Founder of Clean Green Compare
Coach Trimmers Motor Traders Insurance - Main Cover
You can have the following types of cover included in a coach trimmers motor traders insurance policy:
- Road risks insurance: Road risks insurance will cover you and your employees for driving customer vehicles for business use.
- Premises and asset cover: Protect your premises for structural damage as well as things like your tools, stock and equipment.
- Money and keys cover: Insure any money held on promises for loss and theft as well as key and lock replacement for customer vehicles.
- Goods in transit: Will cover the contents of vehicles when on the road.
- Legal expenses: Help with legal expenses up to an agreed amount if you had to fight a liability claim.
- Personal accident and sickness: Financial support if you or an employee had to take an extended break from work due to injury or sickness.
You can easily add or remove the above options from your policy so it includes the exact level of cover you require.
Coach Trimmers Motor Trade Insurance - Add-ons
Below are some of the additional types of cover you can get with coach trimmers motor trade insurance:
If you have employees, then you’ll need to have employers’ liability insurance in place to operate your business legally.
You can also get public liability insurance added to your policy. If you want even more protection, most insurance providers will give you the option to add legal expenses too, up to a certain amount.
A combined motor trade policy will allow you to get road risks insurance combined with cover for your premises. This will cover for structural damage that might occur from things like fire, flooding and vandalism.
Coach trimming businesses usually have a lot of expensive tools and equipment on site so it’s always good to know that they’re covered for risks such as damage, theft and loss.
Coach Trimmers Motor Traders Insurance - What Isn't Covered?
You can get most types of cover you could think of included in a coach trimmer motor traders insurance policy but there are things that usually aren’t covered. These include:
- Vehicles outside policy limits: – Usually your insurance will cover you for vehicles within a certain value and performance range. If you get any vehicles that fall outside this range, such as extremely high value or imported/rare vehicles, you should inform your insurance provider to find out if you’re covered.
- Unnamed drivers: – Any employees who need to be able to work on customer vehicles must be named in the policy. If not, they won’t be covered.
- Faulty workmanship: – Damage or loss resulting from faulty workmanship usually isn’t covered as part of coach trimmers motor traders insurance policy either.
- Malicious acts: – Any malicious acts that result in damage, theft or vandalism within your business won’t be covered by your insurance in most cases.
Always be sure to check the full details of your policy so you know exactly what is and is not covered.
Coach Trimmers Motor Traders Insurance - Who Is It For?
Coach trimmers motor traders insurance might seem like a very specific type of cover but there are actually numerous motor trade businesses that can benefit from it. These include:
- Dedicated coach trimmers: The first and most obvious type of motor trade business that benefits from this cover are dedicated coach trimmers. Coach trimmers motor trade insurance can cover almost all risks that come with running such a business.
- Garages: Some garages and MOT centres will provide interior restoration services as part of their overall operations and in such cases, this type of motor trade insurance would certainly be suitable, even if it needed to be tweaked to the specific needs of the business.
- Vehicle customisation and restoration businesses: Any businesses that do vehicle customisation and restoration that also includes vehicle interiors and upholstery would benefit from this type of cover too.
- Valeting and detailing businesses: Certain valeting and detailing businesses may offer interior customisation and/or repair as part of their services and could make use of coach trimmers motor traders insurance.
These are the main business types that can benefit from coach trimmers motor traders insurance.
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The Steps To Getting Coach Trimmers Motor Traders Insurance
To get coach trimmers motor traders insurance, you should follow these steps:
Coach Trimmers Motor Traders Insurance - What Does It Cost?
Some of the main factors that affect the cost of coach trimmers motor traders insurance are:
- The type of business: Not all businesses that take out coach trimmers motor traders insurance will be dedicated coach trimmers, so insurance providers will certainly want to know the exact nature of your business, including the types of vehicles you typically work on among other things.
- The size of your operation: The size of your business is another key factor when it comes to price. This includes things like the number of vehicles you handle, the types of vehicles, the size and security of your premises and the number of employees you have.
- Named drivers: Any named drivers you add to the policy will affect its cost too, which is why it’s always good to be selective with who you hire.
- How you pay: You can pay for your cover either annually or monthly. Monthly allows you to spread the cost but will come with interest charges.
These are the main factors that insurance providers will take into account when coming up with a price for your insurance.
Great Ways To Save Money On Coach Trimmers Motor Traders Insurance
Some excellent ways to save money on coach trimmers motor trade insurance are:
Following these steps should help you to get coach trimmers motor traders insurance at a great price.
FAQs – Coach Trimmers Motor Traders Insurance
Will coach trimmers motor traders insurance cover me for damage to interior work?
This will depend on the level of cover you take out. You would probably need to specify that you want customer vehicle damage insurance included in your policy so things like cuts and spills would be covered.
Will my stock and materials be covered by coach trimmers motor traders insurance?
You can usually get standard stock and tools covered as part of your insurance but for specialist materials used for upholstery and interiors, you may have to get a higher level of cover. Always be sure to check the details of your policy to find out exactly what’s included.
Will I need road risks insurance?
This is will depend on whether your business needs to transport vehicles or just work on them. Often road risks insurance is required, even if the vehicles are only being moved a short distance. In this case you’d need third party only insurance at minimum.
How long does it take to get coach trimmers motor traders insurance?
You can have cover in place in a matter of minutes provided you know the type of cover you want and you have all the necessary documentation to hand.
