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Combined motor trade policies have been designed with the needs of professional motor traders and servicers in mind, but they are still largely misunderstood. Here we aim to answer some of the basic questions about cover.

What is combined motor trade insurance?

Quite simply it is a policy that provides cover for any vehicles you drive or service along with your business premises on a combined basis.

Not all traders work from home so they need insurance for any buildings they operate. A standard traders policy will not provide this cover and separate cover is needed. Combined motor trade insurance includes both property insurance and a roads risks policy.

What does it cover?

The road risks element covers policy holders against damage or theft for cars they have purchased, are test driving, or delivering. It is used primarily by traders, mechanics and valets.

A combined policy adds to this by also covering the premises you operate from. Cover can be tailored to your individual needs, but generally speaking it protects:

• Tools and equipment
• Money held at premises
• Public liability
• Road risks
• Employer’s liability
• Damage to vehicles
• Damage to buildings

Why chose combined cover over separate policies?

The major advantage of a combined motor trade policy is the cost. However, convenience is also a key factor.

Insuring all elements of a business can be very time consuming. If an incident did occur, it could also be difficult to establish which policy you needed to claim on. With a combined policy you have everything in one place, giving you peace of mind as well as an easy to manage premium.

Are there any restrictions?

As with any insurance policy there will be some exemptions and limits. These differ between insurers so it is impossible to define them 100 per cent accurately here.

Typically, restrictions are made on things such as maximum engine sizes, types of vehicles and maximum values. For this reason it is imperative that you are clear about the types of cars you will be driving prior to taking out a policy.

Why should I use a broker?

At Insure Motor Trade we have a dedicated team that will get to know the needs of your business so that they can find the cheapest and most suitable insurance cover available.

We have special access to a number of insurance rates that are simply not available though over avenues and can tailor cover so it is set up exactly how you want it.

We have been in business for more than 20 years and have experience in dealing with every facet of the motor insurance sector. We are also dedicated to customer service and strive to provide all our customers with the best possible experience.

Great, how do I get a quote?

To obtain a cheap combined insurance quote simply complete the 30 second form on our website or contact us via telephone on 0844 931 2020 (Monday to Friday 9am to 17.30pm, Saturday 9.30am to 13.00 pm). We look forward to hearing from you.

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