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Frequently Asked Questions
What is Motor Trade Insurance?
Motor Trade Insurance is made up of a number of policies which includes:-
Motor Trade Road Risk, which is the facility to drive customers vehicles as well as your own
Motor Trade Internal Risk, this includes public liability and defective workmanship
Property Insurance, this covers the garage, contents and customers vehicles
Engineering, Items such as lifts and compressors must be certified on a regular basis. With an engineering policy an Insurance Company will organise this and can also provide cover for fire and explosion.
Additional Covers, cover can also be obtained for goods in transit, business interruption and loss of money.
Who needs Motor Trade Insurance?
Anyone involved in the Motor Trade Business which would include buying and selling of vehicles, servicing, mechanical /body repairs, valeting, breakdown service , tyre / exhaust centres and Motor Cycle garages.
Part Time Motor Trade
If you are part time in the Motor Trade business, cover can be arranged but your main occupation would have to be taken into account in respect of all vehicles that you may drive and their uses.
Drivers under a Motor Trade Road Risk Policy are normally on a named driver basis.
Warranties and Exclusions?
Motor Trade policies would have a number of warranties and exclusions. Particular care should be taken of these as they may impact following an incident. These would include warranties on abrasive blades, torches, spraying etc.