Disabilities and Motor Trade Insurance and how it could Affect You

Working in the motor industry with a disability can be challenging and one of
the many challenges is finding the right motor trade insurance.

Your disability can impact certain policies offered by brokers specializing in
the industry. While it doesn’t affect your public liability or building cover, a
disability can impact your road risk cover, with some brokers refusing cover to
people.

It is unfortunate but due to the nature of the business, you will be required to drive customer vehicles from time to time, whether it’s to see what work needs doing or to see if it’s a car you wish to buy in order to resell. Some disabilities require specially modified vehicles and this is where the confusion comes in.

Most major companies will happily offer you cover, though your premiums may be slightly higher, they put you on a par with under 25’s and drivers with convictions on their licenses.

One of the suggestions may be to choose additional drivers who have clean licenses and are over 25 years old to test drive vehicles for you, this way you don’t have high premiums, but on the other side of the coin, you are not in complete control. This is why choosing drivers, that are loyal employees and
have been with the business for many years, that you can trust, is imperative.

There is cover that won’t be affected by a disability, the first is public liability. This cover protects the business if a customer slips or falls while visiting your building. Without realising it, this could cost your business thousands if you aren’t prepared and can leave you in financial distress.

Demonstration cover isn’t affected either, this is when you cover a vehicle so prospective purchasers can test drive a vehicle before purchase. You should have no problems finding the right cover at an affordable rate.

When you find a company who will offer you cover at a good rate, then maybe you should consider combined cover. This protects your whole business and if the broker is willing to do combined cover with your level of road risks, then this is almost certainly the right choice.

Combined cover protects the whole business including road risks, buildings, liability, tools, machinery, cash, indemnity and more. As a business owner, having the right amount of cover can protect the business greatly should an accident occur.

Finding brokers who are willing to offer you the right cover is not that hard to find, you can contact some of the reputable broker companies directly for quotes or search online. There are lots of companies online who can offer you the cover you need for your business.

Bear in mind when searching online, that you need to research the company thoroughly to ensure that they are reputable and reliable. If possible, contact current customers to confirm that they receive good service and see if claims are settled quickly.

While there may be a few challenges facing disabilities and the motor trade insurance, there is always a way to find the cover you need. Most companies will offer you the right cover you need.