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Vehicle Dealers

Customers who buy and sell vehicles even on a part time basis require an appropriate insurance policy to cover them in their endeavours, often they already own one or two personal vehicles of their own and in the case of traders based from home there will be the additional one or two vehicles for sale at any one time.

It is important for them that all these vehicles are covered at any one time aswell, along with the overnight cover required for everything left at home. Our Road Risks policy will give them that security.

It will enable them to drive any vehicle they own assuming it is not insured elsewhere and that it is in a roadworthy condition, they can be purchased from auctions or elsewhere and safely driven home. Remember however that the police are always on the lookout for uninsured vehicles and until you register your new vehicle on the Motor Insurance Database you will be at risk of being stopped or worse still, having the vehicle taken off you.

You have only 7 days to satisfy the criteria laid down by the MID and therefore you must get into the habit of putting vehicles on and off the database as they come and go, remember to keep a list of your vehicles so that you can remember which vehicles are on the database as we cannot do this for you.

Dealers trading from trading premises away from the home present a number of different risks to an insurer and if you look carefully at most "Road Risks" policies, cover IS NOT provided at the trading site for anything other than the basic "Third Party Only" cover. This means therefore that when you are at work your personal AND stock vehicles ARE NOT covered to the full extent of the policy unless you have requested and purchased the additional cover.

This is because the dealer using premises should be requesting the full Traders combined package as they are at risk from a number of different areas to the trader using his home as the workplace, they will have the building to cover, their tools and equipment, the vehicle stock (more vehicles as more storage space), and their liability issues.

If you trade from home our policy will give you the following benefits:

  • Comprehensive, Third party Fire & Theft or Third party only cover.
  • Overnight cover from home.
  • Most types of vehicle including commercial (check your policy)
  • Towing cover (Usually on a Third Party Only basis)
  • Optional Protected Bonus
  • Optional additional use for other occupations.
  • Drive any vehicle you own.
  • Allow customers to test drive (Conditions apply)
  • Test drive cars yourself prior to purchase
  • Variable levels of indemnity.

Give us a call or e-mail your details and we will be pleased to go through your individual requirements, a policy with the right cover and price will be available.