For Part-Time Motor Trade Insurance, call 0161 516 3352

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What is part-time motor trade insurance?

Part-time motor trade insurance offers specialist protection to motor traders who run their businesses as a sideline.  Whether you spend your evenings and weekends doing up old cars for sale, buy and sell cars on eBay, or work part-time as a car valeter, then part-time motor trade insurance is for you.  Cover arranged by Jensten Insurance Brokers offers a wide range of protections, including:

  • Vehicles
  • Road risks
  • Public and employers’ liability
  • Refurbishment and restoration
  • Portable hand tools
  • Service indemnity

For motor trade insurance, call 0161 516 3352

Who needs part-time motor trade insurance?

Motor trade insurance through Jensten Insurance Brokers is a flexible policy that can protect a wide range of part-time traders, including:

  • Part-time traders that trade from home
  • Part-time traders that trade from premises
  • Part-time traders that trade online via eBay, Auto Trader, etc.
  • Hobbyist traders restoring classic cars
  • People offering out-of-hours vehicle recovery services part-time
  • People providing detailers and valeters services part-time

What can part-time motor trade insurance cover?

Your policy needs will depend on the type of trading you’re doing and from where – at home, from premises, or online, for example.  At Jensten Insurance Brokers, we tailor our part-time motor trade insurance quotes to the needs of our clients and can offer the following:

  • Road risks insurance – so you can drive customers’ vehicles and any you own in connection with your business on public roads. There will be indemnity limits on this, and vehicles such as Japanese imports, classic, or prestige cars may be excluded.  As with car insurance, you can choose from third-party, third-party fire and theft, or comprehensive cover.
  • Demonstration cover– this insures customers while they are making test drives, and this can be on an accompanied or unaccompanied basis.
  • Public liability insurance – if a member of the public is injured or their property is damaged, you can be held liable. Public liability insurance should protect you financially should you be sued for damages
  • Refurbishment and restoration cover – protects the vehicles you own from theft, damage, or fire.  This won’t cover you for everything – modifications or camper van conversions, for example, but it will cover things like classic car restoration
  • 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 motor traders from compensation claims from their employees should a claim be made against them for loss or injury at work.  Your policy must have a minimum of £5m cover, with £10m being the industry standard
  • Hand tools cover – without your tools and machinery, you can’t operate, and things like jack stands, compressors and powered impact wrenches are expensive to replace.  With tool thefts on the rise in the UK*, you’d be wise to insure them.  Most policies will require your tools to be left somewhere secure between the hours of 10 p.m. and 6 a.m. and not left in your van at the side of the road.  Most policies will also have a limit of between £2,500 and £5,000 per tool
  • Service indemnity insurance – also known as defective workmanship cover, protects you against claims for faulty parts or for accidentally fitting parts incorrectly
  • Products liability insurance – should a product you use or recommend cause damage or harm, you can be liable for compensation should action be brought against you

Why get part-time motor trade insurance through Jensten Insurance Brokers?

As well as flexible, quality cover, the motor trade insurance policies we can arrange offer you the following benefits:

  • Service from quote to claim
  • Road risk-only options
  • You get to deal with a dedicated motor trade team that understands your insurance needs
  • Cover for social, domestic and pleasure
  • The option of comprehensive, third-party fire and theft or third-party only cover
  • As with all insurance policies, terms and exclusions apply. Please contact us for more details.

“All round good price for the package I was needing.”
Mr. W.  July 2023

How much does part-time motor trade insurance cost?

As we’ll create your cover around you, that’s not an easy question to answer.  What we can say is that your part-time motor trader insurance quote will be based on factors such as:

  • The postcode from which you’re trading
  • How long you’ve been trading
  • The value of your stock
  • The size and value of your premises – if you have any
  • The value of your equipment
  • Whether you need road risk cover – and if so, for how many people and their ages
  • The turnover of your business
  • Your claims history
  • The sort of vehicles you’re working with – valeters insurance for prestige cars will cost more
  • Whether you want to pay monthly or annually – annually will usually be cheaper

For some tailored help, please contact Jensten Insurance Brokers today or call us on 0161 516 3352.

Part-time motor trade insurance FAQs

It’s important for all motor traders to get the right insurance.  To help you do that, here are our part-time motor trade insurance frequently asked questions.  We hope they are of use, but if you’d like some independent advice, please call us on 0161 516 3352, and the team will be happy to help.

Speak to Jensten Insurance Brokers about part-time motor trade insurance today

If you’d like assistance getting the part-time motor trade insurance that’s right for you, contact Jensten Insurance Brokers by calling 0161 516 3352.

* Data collected from a Freedom of Information (FOI) request to the England, Wales and Northern Ireland Police forces.

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