Motor Trade Public Liability Insurance

As well as flexible, quality cover, auto electrician insurance through Jensten Motor Trade offers you the following benefits:

• Service from quote to claim 
• You get to deal with a dedicated motor trade team that understands your insurance needs 
• A wide range of policy options 
• Flexible payment terms 

No, but given the level of protection it provides, you’d be wise to take it out. However, you need motor trade insurance to operate legally if you drive, repair, or sell cars as part of your business.

No, this policy only covers your liabilities.  To drive vehicles on the road, you will need a road risk element added to your policy. A valid driving licence is required, and cover only applies to vehicles covered under the policy.

Getting a quote is easy.  You can start your quote here, or call us on 0161 516 3352, and the team will be happy to help you find the protection you need.  We work with a panel of different insurance companies and can help you find the appropriate cover to suit your needs. You can get a quote for combined cover, including motor trade premises insurance, road risk cover, and liability cover.

As we’ve said, there’s no legal requirement to have cover in place, but even if you are trading part-time, you’d be wise to have a policy in place.

There are several ways you can cut the cost of your Motor Trade Insurance quotes, including:

• Build up your no-claims bonus
• Pay annually – paying monthly may be convenient, but paying annually will be cheaper
• Raise your excess – the amount you pay in the event of a claim.  If you have a good, low claims record this can be a good option
• Shop around – or better still, ask an independent insurance broker such as Jensten Insurance Brokers to do the shopping around for you.  With access to leading insurers’ policies and specialist knowledge, we’ll be able to save you time getting the cover you need
• Compare insurance providers to find the best deal

As a motor trader, you’ll face a range of risks and can benefit from extra protections, including:

• Employers’ Liability Insurance (EL insurance) – is a legal requirement if you have any staff, be they full-time, part-time, or contracted.  EL insurance protects you from compensation claims from your employees should a claim be made against you for loss or injury at work.  Your policy must have a minimum of £5m cover, with £10m being the industry standard
• Motor Legal Expenses – if a customer or a member of the public brings a claim against you, the legal fees could be eye-watering, and motor legal expenses will cover these for you within agreed limits
• Tools and Machinery Cover – without your tools and machinery, you can’t operate, and things like jack stands, compressors, and powered impact wrenches aren’t cheap to replace.  These are items that are attractive to thieves due to their portability and high value
• Business Premises Cover – if you’re trading from premises, you’ll want to have them protected.  If your premises were damaged or destroyed, business premises insurance would cover the cost of repairs or a rebuild
• Demonstration Cover – for unaccompanied demonstrations such as test drives
• Money and Keys – if money or keys are stolen from your premises, this is designed to cover the cost of their replacement.  Most policies will stipulate that money needs to be left in a safe, locked cashbox, or a cabinet
• Party fire and theft, third-party cover, and comprehensive cover are also available as options.
• Business protected status is important, and comprehensive and combined cover options can help ensure your business is fully safeguarded.

The scope of a motor trade public liability policy is much more restrictive than a comprehensive Motor Trade Insurance policy.  This means it won’t cover the following:

• Road Risks – so you won’t be covered to drive your business’s, employees’ or customers’ vehicles on the road
• Your stock
• Tools
• Employers’ Liability – a legal requirement if you have any staff
• Premises
• Portable hand tools
• Business Interruption

Additionally, cover for the customer’s vehicle, customer vehicles, and insured vehicle is not included unless specified in your motor trade insurance cover.

We can add these elements to your Motor Trade Liability Insurance to give your business the protection it needs.  If you’d like to know more or would like a Motor Trade Insurance quote that’s built around your business, call us on 0161 516 3352, and our specialist Motor Trade Insurance team will be happy to help.

Motor trade premises insurance is a type of business insurance that motor trade professionals need to protect their physical business locations. It covers risks such as fire, theft, and damage to your premises and contents. If you operate from a workshop, garage, or showroom, having motor trade premises insurance is essential to safeguard your business assets. This type of cover is essential for businesses operating from their own premises and is a key part of comprehensive motor trade cover.

Absolutely. At Jensten Insurance Brokers, we offer tailored motor trade premises insurance solutions as part of a combined motor trade insurance policy. This ensures your premises, vehicles, tools, and liabilities are all covered under one comprehensive package.

Business insurance motor trade policies cover risks associated with running a motor trade business, including your premises, trade vehicles, and liabilities. Personal car insurance only covers private use of your own car. For example, motor trade insurance includes road risk cover for driving customers’ vehicles, which personal car insurance does not. Motor trade insurance cover can include protection for customer vehicles, own vehicles, and third-party vehicles.

Yes, we understand that many motor traders operate part-time or from home. We can help you get motor trade insurance policies that suit your unique situation, including road risk insurance and motor trade premises insurance if you have a business location. Both full-time and part-time traders, including those who sell cars or are involved in selling cars, need motor trade insurance.

To get Motor Trade Liability Insurance through Jensten, you will need to provide proof of your business activity. This can include invoices, purchase and sale receipts, and evidence of turnover. We can guide you through the process to ensure you provide the correct documentation. Proof of involvement in the motor trade industry, such as records of buying and selling vehicles, is required.

You can save money by building up your no-claims bonus, paying annually instead of monthly, increasing your policy excess, and working with an experienced motor trade insurance broker like Jensten, who can shop around for the cheapest motor trade insurance options tailored to your needs.

Some motor trade premises insurance policies include business interruption cover, which helps protect your income if your premises are damaged and you have to temporarily close or relocate. We can help you find the right level of cover to suit your business needs. Combined cover options can include business interruption, liability cover, and protection for insured vehicles.

Yes, if you already have a motor trade policy with us, we can review your cover and add motor trade premises insurance or other additional covers to ensure your business is fully protected. A trader’s policy can be tailored to include additional covers such as road risk cover, third party fire and theft, and comprehensive cover.

It is essential to keep the motor insurance database up to date with all vehicles covered under your policy, including those owned by a limited company. The MID is a legal requirement for motor traders, and failing to update it with any changes to vehicles covered can result in penalties or your vehicles being impounded.