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Motor Trade Road Risks, Courier Insurance, Commercial Vehicle:
Assumptions

Our online quotation will be based on the following assumptions:

  • You are a FULL TIME courier
  • Your business is based and operates solely in the UK
  • All named drivers have a full UK driving licence
  • All named drivers are between 25 and 70 years of age and have been resident in the UK for at least 5 years
  • The vehicle is not used to carry dangerous goods or visit dangerous premises (airside, nuclear installations etc)
  • The vehicle is not Q-plated, imported or Left Hand Drive
  • The vehicle has manufacturers standard security
Assumptions

Our online quotation will be based on the following assumptions:

  • Your business is based and operates solely in the UK
  • All named drivers are full time private or public hire taxi drivers and the vehicle is used predominantly for that purpose
  • All named drivers are between 25 and 69 years of age and have been resident in the UK for at least the last 5 years
  • All named drivers have a valid full UK driving licence and have held a taxi licence for at least 12 months
  • The vehicle is valued less than £40k
  • The vehicle is not Q-plated, imported or Left Hand Drive
  • The vehicle has manufacturer’s standard security
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Motor Trade Public Liability Insurance

 

 

Motor Trade Public Liability Insurance

When it comes to public liability insurance, it is best to get the right policy for your business. Founded in 1995, ChoiceQuote has expertise with all types of motor trade businesses and the types of risk they face.

Motor trade public liability insurance

As well as insurance for the vehicles you work with, there are other types of insurance that are appropriate for a motor trader and for vehicle servicing. Public liability insurance is for anyone who comes into contact with the public as part of his or her business. Also referred to as third party insurance, this covers the policyholder for injury or damage sustained to a third party, resulting from the policyholder’s negligence. Legal costs are also covered by this.

If you work in the motor trade, you will need this cover for your business when:

  • You come into direct contact with members of the public
  • You carry out work on someone else’s premises
  • When the public visit your premises
  • When you have members of the public visit your own home

You may be asked by potential clients – such as local authorities – for evidence of public liability insurance before they give work to you.

Different types of liability insurance

Public liability insurance provides indemnity against the risks associated with working with the public, for instance the possibility of them tripping or otherwise injuring themselves while they are on your premises. It is also for if you are involved in an accident on the roads that is deemed to be your fault. However, if you offer advice or services, the work itself should be covered by Professional Indemnity Insurance. This provides cover for the policyholder for financial loss due to error or professional negligence. Most kinds of motor trade are a specialist service and so they require this type of insurance. For example, you have incorrectly fitted brake pads on a vehicle – you will need defective workmanship cover as part of your Professional Indemnity cover. Anything which might cause an accident or incident to happen to the vehicle after you have worked on it in servicing and repairs could lead to a negligence claim of this type.

Employer’s Liability Insurance is another type of insurance available to motor traders and it covers the policyholder for injuries by their employees due to the policyholder’s negligence or breach of a statutory duty. For example, this could happen when an employee is injured by moving equipment in the garage. The Health and Safety Act requires all organisations with employees to have this type of insurance.

What does it cover?

Motor traders can work on all types of basis, from part time traders working from home to established dealers operating large garages with many employees. If you work from home as a motor trader or in any type of vehicle service, you can find liability insurance to cover risks to the public as part of a package called Road Risk Insurance. This is generally part time motor trade insurance, and it is for when you are deemed to be responsible for an accident with the public whilst moving the vehicles around or when they are at your home, and the minimum cover will be third-party only – ie it will protect you for the damage to other people and their property. If you purchase ‘comprehensive’ road risk insurance this will provide cover for the vehicles you have purchased or those that you are working on in the event of an accident that is deemed to be your fault: unlike private insurance this will only cover you for the trade value of the vehicle.

If you are working out of premises in sales or servicing, Traders Combined insurance provides protection for your premises and their contents, your vehicles and for the Road Risk. This type of combined motor trade insurance can also be combined with protection against:

  • Business interruption
  • Employers’ liability
  • Public liability
  • Engineering inspection
  • Goods in Transit
  • Professional Indemnity

An experienced insurance broker can find you a quote that will combine these different types of cover and which will be tailored to your business circumstances. Cheap motor trade insurance may not provide you with all your motor trade insurance requirements. At ChoiceQuote, we have access to a panel of the leading insurers and will negotiate the most suitable cover for the best possible price. We offer competitive premiums and flexible payment options. In the event of an incident, our dedicated liability insurance claims line and our experienced account managers will be pleased to help.

For a motor trade public liability insurance quote, contact the friendly team at ChoiceQuote today.

Testimonials

Helpful

Ms P Godfrey
5 out of 5
Product: Motor Trade Public Liability Insurance

Offered excellent service.

Narpal
5 out of 5
Product: Motor Trade Public Liability Insurance

First class, I have in fact given your details to several friends of mine.

Mr Stokes
5 out of 5
Product: Motor Trade Public Liability Insurance

Have always been satisfied.

John Hurrell
5 out of 5
Product: Motor Trade Public Liability Insurance

Very satisfied with the overall experience

Paul Allen
5 out of 5
Product: Motor Trade Public Liability Insurance
Motor Trade Public Liability Insurance
is rated
5 / 5 based on 5 reviews