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MOTOR TRADE INSURANCE

A motor trade insurance policy is needed by individuals or businesses that have a customer’s vehicle under their care, custody or control. Motor trade insurance will also provide cover for businesses dealing with sales, for things such as the demonstrating, collecting and delivering of vehicles.

Anyone working in the motor trade industry, full or part time can be protected with cheap motor traders insurance. Repair garages, MOT centres, sole traders, car salesman – even those working from home and those under 25 years old will be covered with DNA’s cheap motor trade insurance.

Varying Levels of Indemnity
Depending on what type of business you do and your own individual circumstances, we can help advise you on the right level of cover. We even provide motor trade insurance quotes to those who are under 25.
Immediate Cover
We understand protecting your business is important so we make sure we do it straightaway.
Flexible Payment Options
DNA help you pay for motor trade insurance cover in the best way for you – letting you plan your expenses in advance so you are comfortable with making payments.
24 Hour Claims Helpline
An accident can happen anytime and at DNA we know how important it is that you stay on the road, which is why we have a claims team available 24 hours a day, 7 days a week.
Legal Expenses
If something does happen, have peace of mind that your legal expenses are covered by your motor trade insurance

FAQ

1Is motor trade insurance required by law?
Yes. The law states that you must have insurance for any vehicle you operate unless you’ve made a SORN (Statutory Off Road Notification).
2How much is motor trade insurance?
It depends on your policy. To minimise the cost, you need to carefully select the protection features you need – and remove those you do not. For example, a mechanic may require protection for their premises and tools. However, a mobile car valeter may not need this feature at all. Lifting it out of the policy may bring the quote down. To customise your motor trade insurance policy like this, call us on 0344 557 3056. You can also get an online quote right now.
3How many drivers can I name on the policy?
This is subject to the insurer’s policy terms. However, for every driver added, your quote may be affected. To get all the drivers you want on your motor trade insurance, and keep the quote to a minimum – get in touch with us on 0344 557 3056. We’ll make sure everybody is covered. And we’ll make sure your insurer gives you the best price.
4What are the different levels of motor trade?
Third Party The ‘bare-bones’ option. Third party motor trade insurance will give you legal permission to run your business. And it will cover the cost of any damage your business causes to others. Your own vehicles, premises and legal costs may not be covered. Third Party Fire & Theft All of the above is included – only with this option, your business vehicles are covered in the case of fire damage and/or theft. Comprehensive Any damage that your business vehicles suffer will be covered under a comprehensive policy. So, you get all the benefits of the above two options and your own vehicles are protected too – even if you, your employees or your business is in some way responsible for causing the damage. Motor Trade Liability policy – this is a combined policy and cover Public Liability Employer’s Liability Combined cover – this type is much more complex than just the standard motor trade insurance and it may cover liabilities, vehicles and property, depending on your needs.
5What are the different types of motor trade insurance?
Roadrisk- this will include full and part time motor traders Combined This includes premises, tools, stock, on-site cash, assets and more, can all be covered with a combined policy. Contact DNA to build your own combined motor traders insurance from scratch today. You’d be surprised at how little extra it costs to shield your business with the best level of protection out there.
6How to apply for cheap motor trade insurance...
To get your sorted today, just call 0344 557 3056 or click here to get an online quote for your motor trade insurance.
7Can I drive a motor trade insured vehicle for personal use?
The policy provides valid cover for your vehicles only while they are being used for motor trade activities.In this situation you can extend your motor trade insurance policy to include personal use by contacting us as your insurance broker, and we will tailor your policy to suit your needs.
8Can I add other drivers to my policy?
Simply the answer is yes, but the added drivers should be employed by your business – employees or partners. Insurers will check the mentioned partner/employee.

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