Get all the combined motor trade insurance quotes you need
- Motor trade quotes online – compare & save
- Numerous levels of cover
- Full and part time motor traders insured
- Mobile mechanics cover available
- Traders working from home cover
- Cover for road risk and combined premises
- Public and employers liability cover
- Instant policy documentation
Combined motor trade insurance explained
Combined motor trade insurance is a type of cover that enables motor trade business operators to cover every aspect of their business with one policy.
With a combined motor trade policy, you and your staff are covered to work on and transport customer vehicles. In addition to this, your premises is also covered as well as your tools, stock and cash. This means your entire business is protected so you can operate with full peace of mind.
Additional types of motor trade insurance
- Buildings cover – This covers your building for vandalism and structural damage. Structural damage can be very costly to repair so having this covered as part of your combined trade policy is a bonus.
- Public liability – Liability claims are always a risk, when working with the public. Which is why public liability will cover you in case a claim goes against you. You are also able to have legal expenses included as part of public liability cover.
- Employers liability – Liability claims don’t only come from members of the public; in fact claims from employees are becoming increasingly common. This is why a combined policy which includes employers liability will protect you against such claims.
- Breakdown cover – Breakdown cover is always a very useful type of cover to have, particularly if you’re having to transport vehicles on a regular basis.
Benefits of getting combined motor trade insurance online
- Take the hassle out of getting quotes – Getting quotes online is a very quick and simple process. By filling out one simple quote form you’re able to get quotes from a panel of expert combined motor trade insurance providers very easily.
- Get the right level of cover for your business – When getting cover online, you can easily adjust your policy to suit the needs of your business. Whether you want to add or remove particular cover options, it’s usually as simple as ticking or unticking a box.
- Get a policy that’s tailored for your business – Every type of motor trade business is different, which is why being able to tailor your cover to suit the exact needs of your business is vital. This is extremely easy to do when getting cover online and is usually just a case of ticking or unticking a box.
- Instant cover & documentation – As soon as you make your first payment towards your policy, you’ll be covered instantly. You’ll also usually be sent your insurance documents by email so you can have full peace of mind whilst running your business.
Combined Motor Trade Insurance FAQ
What type of vehicles can I cover?
Most types of vehicles can be covered under a combined policy, including cars, vans, minibuses, motorbikes etc. If you deal with classic/vintage cars or any other type of high-end vehicle then it’s worth speaking to insurance providers via phone to see if they can offer you cover.
How much does combined motor trade insurance cost?
The cost of a combined motor trade policy will depend on a few key factors, including; –
- Your business type – Certain types of businesses are higher risk than others so the type of motor trade business you run will have an affect on how much you pay for cover.
- Your age – Younger people pay generally more for car insurance and the same applies to motor trade insurance. This is because insurance providers consider those under 25 more likely to make a claim and therefore people in this age bracket pay more for their insurance. However you are able to get specialist under 25 motor trade insurance for a reasonable price.
- Security of your premises – This another main factor that will impact the cost of motor trade insurance. Because a combined policy includes cover for your building, insurance providers will look at how secure your premises is to determine how likely it is that you’ll need to make a claim. For this reason it’s important to take any steps you can to make your premises secure.
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