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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.
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
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What does 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:
Why use Jensten
Dedicated
A team that understand the motor trade business
Trusted
Jensten Motor Trade is rated 4.7/5 on Feefo
Flexibility
Tailored insurance to the needs of your business
Talk to the experts
Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.
- Call our team
- 0161 440 7772
What our clients say...
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
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 440 7772.
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Part-Time Motor Trade Insurance?
For comprehensive Part-Time Motor Trade Insurance
Part-Time Motor Trade Insurance
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 440 7772 and the team will be happy to help.
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.
Is part-time motor trade insurance a legal requirement?
It depends. If you are going to drive vehicles on the road, you will need a road risks element to your policy. You’ll also need employers’ liability insurance (EL insurance) if you employ staff.
Am I insured to drive any car on a motor trade insurance policy?
Yes, but only in connection with the business if it is owned by the business or is in custody or control of your motor trade business. It may be more cost-effective to limit the covers to keep your premium down.
Please note: your policy may come with indemnity limits that exclude certain types of vehicles, such as classic or prestige cars or Japanese imports. If you’re unsure about what’s excluded or would like some help, please call us on 0161 440 7772 and we’ll be happy to give you some help.
What's the difference between road risks insurance and traders' combined insurance?
While these policies may look the same, road risks only covers driving vehicles on the road. Traders combined insurance, on the other hand, can offer a much wider range of essential protections, such as premises, material damage cover and liabilities, amongst others.
Does a part-time motor trade policy allow me to register vehicles for the Motor Insurance Database (MID)?
Yes, if you’re buying and selling vehicles on a part-time basis, this policy will enable you to register the vehicles for the MID and remove them when they are sold.
Can anyone get a motor trade policy?
No, this is only for people who are involved in buying, selling, moving or repairing vehicles for a living. This is often an area of confusion – a motor trade policy cannot be used as a family fleet policy and insurers are wise to this tactic.
How can I get a motor trade insurance quote?
Getting a quote is easy. You can call us on 0161 440 7772 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 find the appropriate cover to suit your individual needs. So, whether you’re a part-time car dealer, mechanic, breakdown and recovery operator, or car valeter, we can help.
Do I need to prove I'm a motor trader?
Yes, you will need to prove you are working in the trade. You’ll need to present vehicle receipts, sales records, or some other form of proof of trading when you incept a motor trade policy.
How can I cut the cost of my part-time motor trade insurance?
As a part-time motor trader, it’s likely that you are going to be working on your own. However, you may wish to consider some areas that can help reduce the cost of your road risks policy. These could include:
- Motor traders under the age of 25 may pay more for insurance and can drive premiums up
- By building up your no-claims bonus and understand if you can utilise a personal no claims discount on your policy. You may find you can transfer this with certain insurers
- By paying annually rather than monthly – monthly may be convenient and help cashflow, but paying annually will be cheaper
- Consider increasing your excess or research excess protection cover – this could drive down your premium but increase the amount you pay in the event of a claim
- Shopping around – or better still, ask an independent insurance broker such as Jensten Insurance Brokers to do the shopping around for you. With our privileged access to some leading insurers’ policies and specialist knowledge, we’ll be able to save you time getting the part-time motor trade insurance that you need
- Securing your vehicles and any tools you may have. Adding security measures is a great way to reduce the risk you are exposed to.
We’re happy to discuss how we can help you save on your part-time motor trade insurance quote. Call our specialist motor trade insurance team on 0161 440 7772 or contact us, and we’ll call you to discuss your requirements.
