DNA Motor Trade Insurance

Archive: Oct 2015

  1. The Top Three Causes of a Motor Vehicle Breakdown (and how to Spot them)

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    Whether it’s happened to you or not, breaking down and getting stranded with your vehicle by the side of the road is everyone’s idea of a nightmare. Whilst it is strongly advisable to take out motor breakdown cover, it is possible to spot some problems before they occur.

    We’ve looked at what the experts say (including Which, the AA, the RAC and Green Flag) and summarised four of the top causes of motor vehicle breakdown as well as how to spot them.

    Flat Battery

    The number one culprit of all breakdowns (between 18% and 20% according to the experts), especially in the winter months, is a flat or faulty battery. Flat batteries are more common with vehicles that only take short journeys. This doesn’t allow the battery to properly charge properly, running it down faster. If this is you, then try to take your car for a longer drive every now again if possible. Also make sure the terminals are protected from corrosion with a layer of petroleum jelly or grease every time your car is serviced.

    How to spot: The engine may turn over more slowly and the red battery light on the dashboard may start to flicker.

    Lost Keys

    Although not technically a cause of a mechanical or electrical breakdown, lost keys are responsible, rather embarrassingly, for a huge number of callouts. There’s not really much more to say about this than keep a spare set and try not to lose them if you’re out. Car dealers will be able to order you a replacement set but this can take weeks.

    How to spot: A growing sense of panic, followed by that sinking feeling of knowing you’ve totally screwed up.

    Flat Tyre or Blowout

    The most common culprit for a blowout or flat is under inflating your tyres. This is easily avoidable simply by making sure you change them when necessary and making sure the tyre pressure is correct. Sometimes a flat is unavoidable if you hit debris in the road, so always make sure you carry a spare tyre with you as well as the means of fitting it, no matter how good a condition your tyres are in beforehand.

    How to spot: Sluggish steering and one tyre losing pressure faster than the others could be signs you have a slow puncture.

    Other Culprits

    These three causes of motor vehicle breakdown are just the tip of the iceberg when it comes to breakdown. Other major culprits include, faulty starter motors, alternators, distributor caps, spark plugs and fuel problems (using the wrong fuel). Most are avoidable by getting your car in for a regular service and checking things like tyre pressure oil levels yourself.

    For more info on what to do in case of a breakdown, the AA have produced this very useful guide.

    At DNA Insurance, most of our policies come with the option of breakdown cover. Call one of our team for more details on 08445 732 400.

  2. What Optional Extras can I include with Motor Trade Insurance (and are they worth it)?

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    Motor trade insurance is essential to anyone working in the motor trade. This can include owners of bodyshops, garages, dealerships, car lots and even car valeting services. If you alter, maintain, inspect, test, repair, clean or service any kind of motor vehicle then you will need to take out motor trade insurance.

    There are various types of motor trade insurance cover, which range from third party only to a combined motor trade insurance policy. Each policy will come with optional extras as well, which you will be able to pick and choose from.

    Below is a brief guide to each.

    Employers Liability Cover

    Because individuals working in the motor trade tend to drive or work on a number of vehicles, motor trade insurance actually insures the motor trader him or herself, instead of just the vehicles in question. Employer’s liability extends this cover to indemnify the motor trader in the event of an employee sustaining an injury whilst at work.

    Public Liability Extension

    Public liability cover means that the motor trader is covered in the event a member of the public suffers injury as a result of any activity related to their work. This is very important to have if the nature of the motor trade business in question involves a lot of contact with the public (which most do).

    Combined Policy

    Combined policies are really the ultimate type of cover and peace of mind if you run your business from a dedicated site, even if that site is your home or you only work part time. Combined policies will cover your entire business, including the premises, money, liabilities, tools, vehicles and all contents located at or associated with your business.

    Protected No Claims Bonus

    This option will allow you to protect your no claims bonus in much the same way you might do with regular motor insurance.

    Excess Buyback

    You are also given the option to reduce the excess paid in the case of a claim. This will increase your premium to some degree, depending on how much you wish to reduce the excess.


    This will cover the windscreen repair of your personal car, whilst at work.


    This will cover your own vehicle for roadside assistance and home start. European cover is also an option.

    Gadget Insurance

    This optional bolt on will cover your personal vehicle for any gadgets you have installed such as car stereos, for up to £1000.

    For more information on motor trade insurance and the optional extras available to you, call one of our dedicated and friendly team for a chat today on 08445 732 400.