Full-Time Motor Traders Insurance
As a full-time motor trader, you need to ensure that you have adequate Full-Time Motor Traders Insurance in place, whether you work from home or from trade premises. At 1st Choice, we are leading motor trade insurance brokers who can find a policy to meet your needs, and save you money.
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What is full-time traders insurance?
There are lots of factors to consider when taking out motor trade insurance, including the location of your business, your coverage needs, and whether you’re running a part-time or full-time operation. Full-time motor traders insurance has been specifically designed to meet the needs of full-time traders, with a wide range of individual services available from motor trade insurance brokers UK.
From public liability and commercial property insurance through to road risk coverage and income protection, full-time traders insurance is robust enough to meet the needs of any auto trader. Full-time motor trade insurance policies cover a wide range of individual services, including vehicle sales, auto servicing and repair, MOTs, car delivery services, and car valeting to name a few.
While the same services can be covered if you’re working on a part-time basis, there are a few key differences between contracts, which need to be addressed from the outset. Full-time traders insurance will be more comprehensive than part-time policies, with typical coverage features including road risks, public and employer liability, material damage, fire and theft and many others.
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Who needs full-time traders insurance?
Motor trade insurance should be obtained by anyone who is working full time in the automotive industry as their sole source of income. Whether you’re selling second-hand cars or offering restorations on classic vehicles, it’s important that you’re covered at all stages of operation. Dedicated full-time traders insurance is recommended for anyone who is operating a business on a full-time basis.
This type of coverage can be distinguished from what is used by part-time businesses such as casual car sellers and people restoring vehicles at weekends to earn extra money. While part-time motor trade insurance can be more flexible and cheaper, it is not comprehensive enough to meet the needs of full-time commercial traders.
Whether you run a repairs service or are a part-time salesman we can help you to find a policy to suit you. We search the market to find the best policy for you, with a range of great features available for motor traders. Weoffers insurance for almost all motor trades, including:
Benefits of full-time traders insurance
Motor trade insurance is a large field of insurance that includes a wide range of individual products. While you can take out separate policies for things like property insurance and public liability, it makes much more sense to speak with our motor trade insurance brokers and get a traders policy quote that has been designed to meet your needs.
As a full-time trader, you need to be covered for a range of potential risk factors in order to protect yourself and your customers. A full-time motor trade policy from us can combine these protections under a single umbrella, which makes it more affordable and much easier to get the protection you need.
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We are a leading Motor Trade Insurance Brokers
We are leading Motor Trade Insurance Brokers, so we understand that you’ll need a minimum of Road Risks Insurance. This will ensure that you can drive vehicles – be it customer vehicles or ones that you have purchased. You may trade in sports, classic or imported vehicles, but at 1st Choice Insurance, we’ll help find the right policy for your requirements.
If you are buying and selling vehicles as a part-time trader, we’ll also instruct you in how to use the MID to update the database as necessary with any purchases or remove vehicles that have been sold. It’s a quick and easy process that ensures you are only responsible for the vehicles that you have registered.
What types of Full-Time Motor Traders Insurance can we offer?
At 1st Choice Insurance, we are leading Motor Trade Insurance Brokers with the experience and knowledge to find you the right cover a competitive price, ensuring that we check the market for to find the ideal policy for you.
There are different types of cover available, including:
Road Risks Insurance Cover – this is the most basic level of cover for motor trade and allows you to drive any of your own personal vehicles, and, for motor trade purposes only, customer vehicles. There are three levels of cover to choose from: Comprehensive, Third Party Fire & Theft and Third Party Only. You can also cover trade plates, additional business occupation and demonstration cover.
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Combined Motor Traders Insurance – does what it says on the tin! This is Road Risks Cover plus a tailored range of additional insurances to protect a business/trader in the event of a claim or loss. This type of insurance is very much dependent on the individual business. Types of cover you may wish to consider could include:
- Employers Liability
- Public Liability
- Professional Liability
- Sales & Service Liability
- Engineering Inspection
- Uninsured Loss Recovery
- Defective Workmanship
- Variable levels of indemnity
- Premises, plant and tool cover (including on-premises cash, stock, office contents, machinery, tools, buildings)
- Additional use for other business occupations
- Business Interruption
- Goods in Transit
Working with some of the biggest insurance companies in the industry, we have access to a wide range of policies. We can offer quick quotations and instant cover. At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. We can advise on the best level and type of cover.
Get Full-Time Motor Traders Insurance Quotes
We offer a fantastic service, flexible payment options, documentation via email and instant cover. Let us take care of searching the panel of insurers for you. We will find your perfect policy, and save you money!
Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 - 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.