Motor Trader Insurance and My Garage Business

Your garage business deserves all the protection you can get a motor trade insurance guarantees your business is covered on a daily basis.

This level of cover is designed for anyone who works in the industry, with the repair vehicles, restore cars or sell them.  It is designed to give you an overall protective cover giving you peace of mind when you open your doors on a daily basis.

Under this policy you can protect your entire business starting with your building.  You can protect your building against theft, storm damage and fire.  This means in the event that your building gets damaged during the flood was struck by lightning causing serious damage, you can have it repaired in the shortest time possible.

Being in the industry your property of a number of expensive tools stored in the building, you want to know that these are also covered under the policy are not protected against theft and damage.  In the event that they are damaged replacement can be costly, it can give you peace of mind knowing that your policy will pay out for these items.

Depending on the type of business that you run you may be required to drive customer vehicles to ensure that repairs have been carried out correctly, this means you will be required to have road risks cover which gives you the ability to drive any vehicle on the UK roads.  As you know you need to have a policy in place to drive illegally on the road and your own private policy will not cover you for that.

On the subject of road risks cover, it important that you know that there are a number of options available.  Many brokers were offer you the bare minimum in order to offer you the best possible price, but as you know cheap isn’t and always better.  Third party, third party, fire and theft don’t offer you the best cover when you have an accident in a customer’s vehicle.  This means comprehensive cover is the safest option for your business covering both the customers’ vehicle and in the third party vehicles or property which may be damaged during an accident.

If you sell cars you want the ability to achieve the highest number of sales, customers are less likely to purchase a vehicle there are unable to drive before they make the decision.  For this you need demonstration cover, which gives you the ability to cover your vehicles while a customer tries before they buy.

Liability cover protects you when a customer visits your property or should a staff member injure themselves on the job, adding liability cover to your motor trade insurance policy offers you the level of protection you need.