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.

No, this policy only covers your liabilities.  To drive vehicles on the road, you will need a road risk element added to your 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. 

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

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

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 

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.