Motor Trade Insurance
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Motor Trade Liability Insurance Quotes

This service is designed for motor traders and those involved in the motor trade, to meet their requirements in respect of liability insurance

The available covers are;

• Public Liability Insurance
• Sales and Service Indemnity/ Defective Workmanship
• Employers Liability Insurance

Complete your details and your requirements for motor trade liability insurance below, or call direct on 0845  458 3790.

Name
Company Name
Address
			Postcode
Email			Telephone
Business Description
How long trading?
Annual Turnover
£1M Public Liability £2M £5M Sales and Service Indemnity Required Not Required Employers Liability Required Not Required
Please spilt the annual turnover by % to each activity
Sale of New Vehicles	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%	Sale of Used Vehicles	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Repair/Service	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%	Bodywork	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Commercial Vehicles	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%	Recovery	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Valeting	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%	Motor Cycles	0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Other Work				0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Percentage Hot Work away from own premises.				0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100%
Annual Wages		Number	Wages
Clerical Principals
Manual Principals
Clerical Employees
Manual Employees
Have you had any losses in the last three years?				Choose Yes No
if yes, please give details
Existing Insurer
Additional Information

Motor Trade Liability Insurance Quote Service

we will produce a quotation based upon your requirements for motor trade liability insurance, whether this be public liability, sales and service indemnity or employer's liability, based upon your requirements, from our panel of insurers and from our own exclusive motor trade liability insurance facilities.

Your quotation will include information regarding the cover provided, the premium required, any premium payment options and any significant exclusions or limitations to the cover.

Public Liability Insurance

Public liability insurance protects you in respect of your legal liabilities to third parties for injury or property damage arising out of and in course of the operation of your business. in common with standard public liability insurance wordings, the cover does not offer protection in respect of claims arising out of goods and services sold and supplied.

Sales and Service Indemnity / Defective Workmanship

The sales and service indemnity extension to the public liability insurance wording of his you protection in respect of your legal liability for loss or damage arising out of goods and services sold and supplied.  This might include claims arising from the sale of a defective vehicle or defective workmanship during service and repair.

Employers Liability Insurance

With a few limited exceptions e.g. certain close family members, if you employ people in the United Kingdom that it is a legal requirement that you hold a valid Employers Liability Insurance policy with a minimum a limited of indemnity of £5 million.  The employers liability insurance policy protects the policyholder in respect of their legal liability for any injury or damage sustained by employees during the course of their employment.  Whilst the minimum legal requirements under EU law is £5 million, policies in the United Kingdom are generally issued with a minimum limit of indemnity of £10 million.

How Much Does Motor Trade Liability Insurance Cost?

a basic public liability insurance policy for motor traders is relatively inexpensive.  The annual premium for motor trade liability insurance is very much dependent upon the cover required, the number of persons involved in the business and the actual nature of the work being undertaken.  Claim free trading over a number of years will also influence underwriters to offer more attractive premiums.

One key aspect of liability insurance, whether this be third-party liability or employer's liability, is adequate and effective risk management. Underwriters will assume that any prospective policyholder meets with all legal requirements for health and safety at work and will naturally take appropriate steps to reduce risks in the workplace.

 

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