Motor Traders Commercial Combined Insurance from Prosura
No matter whether you offer a mobile mechanics or valeting service, run an MOT centre or own a number of car sales dealerships, we at Prosura offer a friction free, non nonsense service, advising on and arranging your motor traders insurance cover, so that you can get on with the real work.
What should be included on a Motor Traders Insurance policy?
At Prosura, we understand that no two motor trade businesses are exactly the same. We will work with you to create a policy that addresses all of your requirements – from Road Risks to Liability and Premises.
Driving is at the heart of what you do. Road Risk allows flexible protection for vehicles under your ‘care and custody’. Effectively, it allows you to drive customers vehicles as well as any you’ve bought – for example at auction – with a view to reselling. Road Risk is the minimum legal requirements for any business involved in trading vehicles. There are a few additional covers that it may well be worth considering – read on to find out more.
- Traders Liability Insurance
There are a range of liability covers that will almost certainly apply. Employers Liability is legally required in the UK where you have workers – even if part time or casual. Public Liability should be a consideration where you have members of the public on your premises. And product liability is almost certainly worth considering too, where you are fitting replacement parts during a repair job.
No matter whether owned or leased, you will need to have premises insured, together with all of your tools and equipment. Where you have vehicle stock, as well as tyres, exhausts and other parts, you’ll want to insure those, too.