If you’re in the motor trade, then you know how important the right insurance cover is. All businesses should be covered if they work in the sector. This includes car dealers, mechanics, repairs and valet services.
The motor trade can be dangerous, and there are accidents and even deaths each year. You should have insurance if you’re a full-time or part-time trader.
The Policies
The level of cover you require depends on the type of business you run. Here are some things you need to consider:
-Home start cover will pay for professionals to come to your home or place of business and attend to a vehicle that won’t start.
-If you fill a vehicle with the wrong fuel, it needs to be drained and filled with the correct fuel.
-Whether you need European cover.
-If you own a larger business, then your policy costs will depend on how many employees you need to insure.
-Your policy will cost more if you use larger vehicles.
You need to find the right level of Motor Trade Insurance to ensure your business is fully covered. Visit a site such as https://www.quotemetoday.co.uk/motor-trade-insurance.
Further Things to Consider
Do you need nationwide recovery? If you travel all over the country, then you’ll want protection wherever you are. Recovery doesn’t just take you to the nearest garage: it also offers transport home for you and up to seven others.
Do you require an overnight option? You can find insurances policies that offer an overnight stay and breakfast. Most companies will cover each person up to £150.
Do you need a hire vehicle? If you’ll need to continue driving while your vehicle is being fixed, then it’s best to add this option to your policy.
If you transport people, then some insurance companies will provide you with an emergency driver. To receive this cover you’ll need a medical certificate stating you could not drive.
When you contact an insurance company, make sure you tell them about your business and discuss which options are best for you. There are so many policies, but you need to ensure you have the right cover to avoid any additional costs. The motor trade can be risky, but with the right insurance you can relax and enjoy running your business.
