AVIVA Motor Trade Insurance

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Aviva Motor Trade Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance

Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team August 2023

In this Aviva motor trade insurance review highlights including the motor trade insurance if working from home aimed at the small motor trader just starting out or working part time. These policies are being offered by the UK largest insurer that has been helping people and businesses with insurance protection for more than 100 years. Aviva offers a range of insurance products that include Aviva taxi insurance and the popular Aviva day insurance in association with Dayinusre.

Aviva Motor Trade Insurance provide insurance polices that are designed to protect businesses that buy, sell, repair, service and store motor vehicles. Some examples would include car dealerships, garages, mechanics and even mobile mechanics. Aviva can tailored to the individual needs of the business. Typical policies will cover a range of risks such as public liability, motor trade road risk, employers’ liability (if you have employees)  and property damage. The public liability element provides protection against damage caused by customers, as well as theft of customer goods.

What is new about the Aviva motor trade insurance for small business?

The new policy is for the small business owner just starting out in the motor trade business. This includes not only full time motor trade business owners, but also part-time motor traders operating their company out of their homes. The limitation of this new policy is that only 6 named drivers can be listed on the insurance policy.

The types of coverage include Combined coverage along with Road Risk only. The road risk coverage for small business owners must list the drivers to be covered.

Who can take out the Aviva small motor trade insurance policy?

To be classified as a motor trade small business, the following restrictions and limitations normally apply.

  • From 1 to 6 named drivers can be covered.
  • You have only one set of trade plates.
  • There is only one private hire vehicle in your inventory.
  • You have only 5 vehicles for sale.
  • Only one goods carrying vehicle with the purpose of hire and reward with an upper weight limit of 7.5 tonnes.
  • Only one designated recovery vehicle with an upper weight limit of 7.5 tonnes.

What are the options for the large Aviva motor trade insurance coverage?

This option is for any motor trade business owner with more than 6 named drivers and vehicles for sale, and for those with multiple locations. The coverage includes the following;

All Risks 

  • Discounts to effect sales following damage to the vehicle for up to £5,000 coverage.
  • New replacement vehicle coverage.
  • Seasonal increase of 30% on owned vehicles during the months of February, March, August and September.

Optional coverage

  • Loss of use of vehicle up to £100,000.
  • Loss of content for commercial vehicles up to £250,000 and £5,000 for non-commercial vehicles.
  • Replacement locks and keys up to £50.
  • Motor legal protection for up to £100,000.
  • Machinery and stock vehicles used for exhibition coverage for up to £25,000.

There are Aviva motor trade insurance policies for both small and large businesses, these can be tailored to the business requirements. They also offer discounted premium prices when a thermal imaging survey is done to identify both major and minor faults that might interfere with daily business operations.  It is always best to compare as many providers of motor trade insurance as possible and make sure to include the specialists in this sector, including Bollington motor trade insurance and Nash Warren.

Steps to Lower the Cost of UK Motor Trade Insurancer

  • Limit Cover  : Many policies will have an optional to limit of the value of cars that are covered by the policy.  Including high value cars example supercars, sports cars or classic cars will increase the costs of cover. From a business perspective, you could decide to exclude high value cars, which should help reduce the overall cost of insurance.
  • Compare Quotes : Getting a range of quotes from specialist providers of trade insurance, including Tradex motor trade insurance, Aviva Trade Insurance, Road Runner Motor Trade Insurance and Bollington Motor Trade Insurance amongst others that specialise in this field. Using comparison sites like Multi Quote Time can help, by providing you access to a range of insurance quotes by simply completing one form. 
  • Agree to Higher Excess : Another way to save is by increasing your excess, pay your premium annually rather than monthly, and finally make sure your premises are as secure as possible before applying, to get the best rates from your insurance provider.
  • Maintain a Clean Claims History : Fewer claims or better still no recent claims will always be rewarded with a lower insurance quotes for those in the motor trade industry.

Other popular Aviva insurance products

Aviva is a popular provider of home insurance polices, but they also provide cover for those that are in the buy to let market, which has been on the increse in the UK and NI. If you have a buy to let property you should consider providers that include Aviva Landlord insurance, Tesco, Aro and others in this marketplace. Cover is also available for multiple properties often referred to as portfolio insurance. 

Compare the cost and policy details of multiple UK trade insurance providers  

Aviva is one of many online brokers that offers insurance for the UK motor trade industry. Finding the deal that best suits you will involve compare what is included and price against other leading broker such as AXA motor trade cover, Bollington, Tradex, DNA, Tradewise and Direct motor trade insurance. Quotezone can help you by giving access to multiple trade brokers. Simply complete a simple form to start seeing the available options that these select UK brokers can provide. Some of these offer under 25 traders insurance and part time trader's insurance. These two products come with added expense because of the additional risk of young traders.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice

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