What is Vehicle Air Conditioners Motor Trade Insurance?

a form of motor trade insurance tha

Ian Beevis Insurance Expert

What the experts say…

“Carrying out work in an alternative fuel converters workshop comes with a considerable degree of risk, so if you own such a business you want to be sure you're full protected. Alternative fuel converters workshops insurance provides the ideal way to do this.”

– Ian Beevis, Founder of Clean Green Compare

What Does Vehicle Air Conditioners Motor Trade Insurance Cover?

You can choose from the following types of cover:

  • Road risks – This is the minimum level of motor trade cover you’ll need to get as it will enable you to work on customer vehicles as well as drive them when needed. You can choose from the usual cover options of third party; third party, fire and theft; and fully comprehensive.
  • Liability claims – Liability claims are something that all motor trade businesses have to be wary of. If you were to get into a dispute with a customer and a liability claim resulted then it could end up costing you big if you don’t have the right cover in place.
  • Legal expenses – If you do face a liability claim that you believe is unjust then you’ll want to fight it in court. This can get expensive very quickly so it’s never a bad idea to have legal expenses included in your policy.
  • Combined policy – A combined policy will provide ultimate protection for your business since it not only covers your vehicles but also your premises, stock, tools and cash.

You can add or remove these cover options as you need so your policy is right for your business.

More Types of Vehicle Air Conditioners Motor Trade Insurance

Some additional types of vehicle air conditioners motor trade insurance you can get are:

If you had to shut your business down for a certain period of time and it was for a reason that you had cover for, then you’d be compensated for loss of income.

You can get cover to protect the work you carry out too.

If there’s certain stock or equipment that you want to be guaranteed a certain value for if it was lost or damaged, then you can get agreed value cover for it.

Vehicle Air Conditioners Motor Trade Insurance - Things That Aren't Covered

Some of the things that aren’t usually covered by vehicle air conditioners motor trade insurance include:

    • Unlisted drivers: – Any drivers who aren’t specifically named in your policy will not be covered. You can get an ‘any driver’ policy where employees who meet a certain criteria are automatically cover but this is usually more expensive.
    • Malicious or illegal activity: – Any malicious or illegal acts that result in loss or damage won’t be covered either.
    • Personal use of vehicles: – Customer vehicles can only be drive by you or your staff for business directly related to your business, which means no type of personal use will be covered.
    • Fraudulent claims: – Any claims that are found to be exaggerated or fraudulent won’t be covered either.

    Always be sure to check the details of your policy so you know exactly what things you’re covered for.

Business Types That Can Get Vehicle Air Conditioners Motor Trade Insurance

Below are the main types of businesses that can get vehicle air conditioners motor trade insurance:

  • Specialist AC workshops: Workshops that specialise in air conditioning will of course benefit from having this type of cover. You can get cover for all the risks associated with this type of work as well as cover for your premises itself.
  • General garages: Some general garages also provide air conditioning services and would therefore be suitable for this type of cover too.
  • Mobile AC specialists: Mobile mechanics or mobile AC specialists would be suited for vehicle air conditioners motor trade insurance too.

These are the main types of motor trade businesses that would be suitable for this type of cover but you can always tailor your cover options to suit no matter what type of business you run.

Related Insurance

Get Vehicle Air Conditioners Motor Trade Insurance Quotes Today

GET QUOTES

Getting a Vehicle Air Conditioners Motor Trade Insurance Quote

Below are the steps you need to follow to get a vehicle air conditioners motor trade insurance policy:

1

Provide personal information

The first thing you’ll need to do is provide basic information about yourself, such as your name, address and date of birth. You’ll also need your driving licence number to hand.
2

Provide information about your business:

Next you’ll need information about your business as well as proof of trading in the form of registration documents and invoices.
3

Choose your cover type:

Then you’ll need to choose the type of cover you want as well as any extra forms of cover.
4

Look through your quotes:

Once you have your quotes, you can then compare them and narrow them down.
5

Pick one and make first payment:

Finally you should pick a policy and make the first payment for it so it becomes active.

How Much Does Vehicle Air Conditioners Motor Trade Insurance Cost?

Some of the main things that affect how much vehicle air conditioners motor trade insurance costs are:

  • The size of your business: The size of your business, including things like the number of employees you have will affect how much you pay for insurance.
  • The details of your premises: The details of your premises is an important factor too. Things like the size of the building, where it’s located and how secure it is are all things insurance providers will take into account.
  • The named drivers: Any employees who are named on the policy will also affect its cost, which is why it’s always important to be selective when hiring.
  • How you pay: You can pay for your policy annually or monthly. Paying annually will allow you to avoid interest payments.

Always be sure to get quotes from several insurance providers as they can vary depending on the provider too.

Great Ways To Save On Vehicle Air Conditioners Motor Trade Insurance

Some great ways to save money on vehicle air conditioners motor trade insurance are:

1

Get several quotes

– You should always get quotes from different insurance providers as this is one of the best ways to save money and make sure you don’t overpay for your cover.
2

Make your premises secure

– You should take any steps you can to make your premises more secure since this will certainly help to lower the cost of your insurance.
3

Increase voluntary excess

– You can also increase the amount you’d pay towards a claim as a way to lower your premium.
4

Pay upfront

– If you can afford to pay upfront, then this is another good way to save money by avoiding the interest payments when you pay monthly.

These are all good ways to save money on vehicle air conditioners motor trade insurance.

FAQs – Engineering Workshops Motor Trade Insurance

What types of cover do I need with vehicle air conditioners motor trade insurance?

The main type of cover you’ll need is road risks insurance as well as employers’ liability insurance if you have any employees.

How long does vehicle air conditioners motor trade insurance cover me for?

A typical policy will last for one year, after which time you can either renew or look for cover elsewhere.

Do I need to get cover for my premises with vehicle air conditioners motor trade insurance?

You’re not obligated to but if you don’t already have building insurance, it’s highly recommended that you do.

Can I insure personal vehicles on a vehicle air conditioners motor trade insurance policy?

Yes, many insurance providers will offer this option but you will need to specifically request this when taking out your cover.

Get Vehicle Air Conditioners Motor Trade Insurance Quotes Today

GET QUOTES