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Motor Trade Fleet Insurance

Guide To Motor Trade Fleet insurance

By from the MultiQuoteTime Editorial Team - July 2023

Motor trade fleet insurance typically covers a range of vehicles including cars, vans, trucks, and other commercial vehicles owned or under the custody of the business. The policy can be tailored to suit the specific needs of the motor trade business, providing various levels of coverage options.

Motor trade fleet insurance is typically purchased by businesses such as car dealerships, car rental companies, vehicle repair shops, and vehicle transportation companies to protect their vehicles and operations. By consolidating multiple vehicles under a single policy, businesses can often benefit from cost savings and simplified administration compared to insuring each vehicle individually.

We can provide you with access to a range of quotes from a panel of UK trade fleet insurance brokers that are able to tailor polices to you or your business's individual requirements.

Cover available for all types of Motor Trades
Polices can be tailored to your unique business requirements
Flexible payment options
One short form – save time & money
All Fleet sizes from 2 vehicles upwards.
Specialise any driver fleet insurance available with constraints to lower costs

Compare farm Motor trade fleet insurance quotes now

What are the the levels of cover available?

There are three major levels of cover for farm fleets, which includes:

Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property
Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your fleet of bikes caused by fire or theft.
Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own fleet, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

Breakdown Cover : If your fleet vehicles are new, they may already have breakdown cover included in the first 2 or 3 years.
Uninsured driver promise : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.
Goods in transit – insures any goods you are delivering or transporting.

How Much Will Motor Trade Fleet Insurance Cost?

The cost of motor trade fleet insurance will be determined by a number of factors that determine how much risk you pose to the insurance company. You can in some cases take positive steps that will reduce your risk and as a result be offered a cheaper quote. Other factors, for example the risk posed by your age, can not be reduced until you build up a good no claims record.

An insurance company will take some or all of the following into account when calculating the cost of motor trade insurance for mobile mechanics. The weight they apply in calculating the final premium can vary, so that is why it is important to get comparative quotes for any insurance product.

Age : Your age plays a significant role in determining your insurance premiums. As you should be aware, young drivers under the age of 25, often face higher insurance costs compared to drivers with more experience and few claims
Claims History : If you make lots of claims, expect to pay more for insurance.
Security : If you are intending to add cover for your tools and equipment, if you can store these in a secure garage overnight or when not in use rather than in the van
Level of Cover : Traditionally third party was the cheapest option, but insurance companies have realised that those take out third party cover tend to be higher risk and as a result this may not always be the cheapest option
Full or Part Time : If you are only providing your service on a part time basis as a second earner, let the insurance company as you may be eligible for part time motor trade insurance, that could help reduce costs.

Steps To Lowering The Cost Of Mobile Mechanic Insurance?

Pay Annually : If you can afford it, it normally is cheaper to pay for insurance in one lump sum payment as opposed to monthly payments.
Claims History : If you make lots of claims, expect to pay more for insurance.
Security : Boost security with CCTV, immobilizers, and dashcams. These security measures will help safeguard your work vehicle from theft, malicious damage. The dashcam will provide valuable evidence proving who was at fault in any accident and safeguarding your no claim's history.
Don't Over Insurer : Skip cover options that you will not need. For example, do you really need breakdown cover given that you are a mechanic?

Polices tailored for your indivudal business needs

The panel include brand names in this sector that include Aston Lark, Nash Warren and DNA insurance. These are specialists in the motor trade insurance sector and are able to tailor to your business needs. The end result should a policy that works for you without having to pay for unnecessary cover options.

Get Multiple Mobile Mechanic Insurance Quotes Today

To get multiple motor trade fleet insurance quotes, you only need to provide a few basic details, such as your name and address and some details of your business. This information will be sent direct to a select panel of insurance brokers, who in turn will provide you with individual fleet trader's insurance quotes. This will enable you to compare multiple quotes side by side and find the broker that provides the level of protection desired, at a price within your budget.

The online application process is simple and only takes a few minutes to complete.

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