Where to Get Online Motor Trade Quotes

Many business owners think they will go online and find online motor trade quotes quickly and easily. While this is completely true and you will have hundreds of sites offering you good protection for your business, there are a few things you need to consider before putting pen to paper.
 

Comparison Sites

Many people prefer comparison sites, they believe the sites will offer them a good variety of quotes, finding the cheapest quote possible. Comparisonsites can save you a lot of time and energy. You put in your information once and the site will send you a number of quotations for your consideration.

Many insurance companies use the comparison sites to get business. Now while this may seem the most convenient method, you need to remember that the information you provide may help one company offer an accurate quote, while another may require additional information. This means you may need to follow up with ease of the companies to amend the estimates accordingly, until they meet your immediate requirements.

Independent Companies

Another option when looking for estimates online is to complete the online application form with different insurance companies. These days the majority of companies offer online estimates, due to demand. This saves you time and money, ideal for after hours when you can sit in the comfort of your own home and apply for new insurance.

Review and Compare

Whether you have chosen a comparison site or an independent company, it’s always advisable to have a minimum of three estimates. This enables you to review each quote and compare them against the other.

You may find that most of the time you will need to contact each of the companies directly and make some changes to ensure the policy they have offered covers your business completely.

When applying online you find that the form will only ask some basic information. This information enables them to offer a basic quotation, but probably not enough to offer your business the cover you deserve.

In most cases the online estimates don’t offer adequate public liability cover. You find they offer the minimum a business will need, which won’t cover you in the event of a claim.

Remember that cheaper isn’t always better and when obtaining online motor trade quotes the aim is to find the best level of cover at the lowest possible price. Take your time, review each quote, make necessary changes and then compare them against each other to find the right choice for your business.

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Using Online Sites to Compare Motor Trade Insurance

A few years ago if you wanted to obtain a policy online you would have to phone each broker and discuss your requirements with them. Then the internet opened up new doors allowing you to compare motor trade insurance quotes without any hassle or fuss.

The advantage is that in your busy day owning a business you don’t have time to sit down and phone brokers one at a time or fill out a medley of online forms for each quote you need and you know you need at least three quotes to determine the best deal. What are your options?

Comparison sites offer convenience and ease of use that can save you time and energy. The great thing is that you can obtain your quotes in the comfort of your own home in the evening and it won’t interfere with your daily duties at work.

These sites work where you fill out one form with your requirements and the site then approaches a large number of brokers who will quote on the information received. This can save so much time and energy and with only one form to fill out you cannot go wrong.

The best thing is that you are not obliged to accept any of the quotes, they will be submitted to your email inbox offering you the ability to review each one and then compare them against each other.

The Importance of Reviewing Quote

When obtaining quotes online it is so important to review each one thoroughly. You will find some of the quotes come in with a price that is almost too good to be true. The reason for this is that the broker doesn’t have all the information they provide and can only base the quote on general circumstances.

Some of the things you will find is that they only offer third party cover on your road risks or they offer very little or no public liability cover. Both of which you know are essential for your business and without them you could end up in serious financial trouble.

Amend and Compare

Choose three quotes which stand out above the rest and then have them amended to meet your immediate requirements by the broker. This is a good opportunity for you to determine how flexible the broker is as you will need to make changes to your policy throughout the year as your business needs change.

Once armed with the new amended quotes you can review them again to ensure that they are correct and then compare them against each other to find the best suitable match.

Finally once you are happy that you have set enough time aside to compare motor trade insurance quotes, you can pick the best one and sign on the dotted line.

Motor Trade Jobs – Could it be Your Future?

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Are you looking for a different career path? Maybe something you have always enjoyed and has been a hobby up to now? Those interested in making their hobbies a career whether it's restoring cars, making family cars run smoothly again or selling cars, the motor trade jobs advertised could be your ticket to a new future.

Everyone at some stage in their careers decide it's time for a change, some stay within their chosen industry put pursue a different avenue, those working on vehicles may choose to sell vehicles instead or those restoring cars may choose mechanics for a change.

Whatever your reason for changing careers whether you are already in the industry or have just obtained your degree, there are ways to secure your future in your chosen career.

Where to Find Recruitment Adverts?

The first step is knowing where to find the employment adverts, where companies advertise for your chosen career. Many will choose online sites because they are the most affordable.

There are a host of recruitment sites for all industries online, it's finding the ones that meet your needs. There are free sites such as Gumtree, where you will often find positions according to area, this ensures you are able to get to and from work with ease. Have your CV ready and get it emailed through as soon as possible, work is in demand at the moment so for every position there are a lot of applicants.

Have a look through the job boards online, there is a choice of work sites offering a recruitment section from the online magazines in your area to dedicated job boards. Again be ready to pounce the minute you see a suitable position come online, as there are always a choice of applicants for each position.

Your CV

It's important that your CV makes a good first impression. Think about it from the recruiters point of view, they have advertised a position and the email is jamming up with applications. They need to read through each application to decide who to call in for an interview.

Your CV should be short and to the point, highlight your abilities and areas where you feel you can benefit the company. Read the posting carefully and ensure that your CV covers exactly what they are looking for.

This is your first impression to a possible employer, you need to showcase yourself to the fullest to show that you can do the job and you are the best candidate for the position.

Check the motor trade jobs websites a few times a day and respond promptly to any that you feel suits your needs and abilities.

Have You Considered A Combined Motor Trade Insurance Policy?

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It doesn't matter whether you own a mechanical workshop or a car dealership, whether you run a panel shop or car restoration business, a combined motor trade insurance policy can offer you all the protection your business needs on a daily basis.

This type of cover is a more in-depth cover that will protect every aspect of your business from your building to your employees and from your cash to your road risks. You may wonder what makes this cover so popular and why you should consider it, by putting all your requirements into one policy, you can save money in the long run, it's easier to manage and only one phone number to call when you do need to claim.

What is Covered?

Most brokers will be flexible and will tailor your cover to suit your business requirements whatever part of the industry you are in. The first big thing to be covered is your building which will be protected against fire, theft and storm damage. Then there is all the contents from your tools to your expensive machinery andequipment, your computers and even your cash. A flood or fire can quickly damage thousands worth of property, equipment and assets, you want the building repaired quickly while having all the things replaced or repaired.

Then there is liability cover, your public, employers and professional indemnity cover can be included in the cover. Public liability is essential for any business protecting you every time a customer arrives at your door, a public liability claim can amount to thousands and it's a claim you are legally responsible for. When it comes to employer's liability cover it's important you realise that this is a legal requirement in the UK the minute you hire one or more staff members. Your professional indemnity can be a blessing, mistakes do happen from time to time and rather protect yourself and your business with this essential cover.

Of course your job doesn't end there, you need to drive customers vehicles to ensure repairs have been carried out, for this you need road risks. If you sell cars demonstration cover is essential enabling you to give potential purchasers the opportunity to try before they buy.

But what about the other little things you can add to the cover that makes your life easier and ensures full protection of the business. Add loss of income to your combined motor trade insurance policy, don't end up out of pocket when your building is being repaired and you are unable to work.

How Many Vehicles Will Fleet Insurance Cover?

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When you are in a business where you have a number of vehicles, fleet insurance may be the answer you are looking for to save money, cover all your vehicles in one policy making it easier to manage.

This type of cover is designed for all vehicles, so you don't have to have a number of cars or a number of vans, you can put all your vehicles into one policy from motor cycles to trucks. This is one of the many reasons this type of policy is so advantageous to so many businesses.

Is This Cover Right For Me

This type of policy is designed for all businesses that have a number of vehicles, some brokers cover from three or more vehicles while others do five or more vehicles, there is no maximum amount, you can have thirty or forty vehicles owned by your business all safe guarded by one handy policy.

The advantage is that there is only one policy. This means one premium and one phone number to call in the event of an accident, what's more there is only one renewal to worry about.

The biggest mistake companies make it shopping around every time they purchase a new vehicle, leaving a number of vehicles all on different policies. This is when the problems start. It becomes a nightmare for bookkeepers that need to try and take note of when premiums are due and when renewals are due, which can often leave you in a situation where you have one or more vehicles uninsured, not legal or safe when driving on the UK roads.

The best thing about this type of cover is that because you can place all your vehicles on one policy in the event of an accident there is only one phone number to call and one claims process to go through. This can save a lot of time and energy and doesn't leave you digging through paperwork trying to determine what car is covered by what company.

Add your own private vehicles to the policy, remember you can add anything from motor cycles to cars and vans to trucks, there is no limit to the number of vehicles you can add and it works out cheaper in the long run. If you were to have a separate policy for each vehicle you will end up paying a much higher amount in premiums than having all your vehicles under one easy to manage policy.

So to answer the question on how many vehicles you can cover by fleet insurance, the answer is that there is no limit, put all your vehicles into one easy to manage policy and enjoy the peace of mind that they are protected every time they pull out onto the road.

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Motor Trade Insurance Is Essential, and Here's 5 Reasons Why

When it comes to your motor trade insurance, you need to have the best possible cover to keep your business protected at all times. Here are five reasons why you cannot be without this cover.

Driving Customer Vehicles

One of the biggest risks you face in your industry whether you are repairing vehicles or selling them is driving customer vehicles. You need to drive these vehicles to find faults, check repairs have been carried out effectively and determine whether you want to buy them to sell on your forecourt.

What you may find is that you are offered three types of road risks cover. There is the third party cover, the thirty party fire and theft cover and then the comprehensive cover. The comprehensive cover is the safest option for any business as it protects both the third party vehicle or property and your customer vehicle.

Customers Driving Your Vehicles

If you are in the car sales sector of the industry, your biggest risk is enabling customers to get into vehicles you have for sale and heading out onto the UK roads. This is money you have already spent and it's profits that are driving off to be test driven.

Demonstration cover offers you the cover you need to enable customers to test drive vehicles before they buy without you having to worry about losing money should they be involved in an accident.

Customers Visiting Your Property

Your work is dangerous and there are a lot of things that can go wrong and one of them is a customer injuring themselves while visiting your property. It can be the smallest incident such as a trip when they stand in some oil which hasn't been cleaned up, but that little trip can leave you in serious financial difficulty.

You may not be aware but you are legally responsible for any claims against you when it comes to public liability, this can mean that if you do not have cover or adequate cover, you will need to pay the claim out from your bank account.

Your Staff

It is a legal requirement in the UK to have employer's liability cover when you hire one or more staff members. This cover protects you should a staff member injure themselves at work. They can claim for loss of income while they recover and if you have the right protection in place this will not leave you with an empty bank account.

Protect Your Equipment

Over and above your actual building, you need to know that your tools and equipment are protected. Some of this equipment can be extremely expensive especially when talking about diagnostic equipment. You can enjoy peace of mind with your motor trade insurance by knowing that all your tools and equipment are protected against fire, theft or damage.

How Much Money is There in Being a Motor Trader?

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Being a motor trader can bring in fantastic financial rewards depending on what sector of the industry you choose and how you manage your business.

As with any business, management is key. If you work hard to market yourself, increase your profits and decrease your expenses you are on the road to success. When looking at the difference between car dealerships and mechanical workshops, it's easy to see that a mechanical workshop could be the financially viable option.

People need their vehicles repaired, they need them serviced and as a legal requirement, they need to have their MOT test carried out annually. This means that mechanical workshops will have a constant flow of clientèle from repeat and referral customers to new customers.

On the other hand car dealerships that sell used cars may be financially better off than those that sell new cars. Cheaper vehicle sales may be a more viable option over the newer and expensive vehicles.

New and expensive vehicles requires most purchasers to obtain finance. These days financial institutions have become very strict in handing out credit. In fact obtaining credit can be almost impossible for many as the lending rules have chances with the financial crisis we have just experienced. So even though dealerships that sell these vehicles probably make more profit per vehicle sold, they don't sell as many vehicles as a car dealership that sells affordable second hand vehicles that a purchaser can pay for in cash.

Most people who join this industry do it because they love the industry. You find the majority of mechanics have been tinkering with vehicles since they were young, huddled up in the garage with Dad on a weekend repairing a vehicle or fixing the farm equipment when they lived in a village. Mechanics is something that has grown on them and pushed them towards this career.

As a mechanic in a company you can earn a decent salary, most workshops will offer above average salaries to those employers who are in demand. Maybe you specialise in certain vehicles or have knowledge about vehicles that none of the other employees have. This puts you in demand and takes the strain off the owner and in turn, can lead to a higher pay cheque at the end of each month.

If you really want to know how much money you can make as a motor trader then you have to think about how you manage your business and the demand for your services. These two combined can offer fantastic financial rewards in the long run.

This post is brought to you by www.motortradenews.org 

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Considering a Motor Trade Job and Need Fleet Insurance?

Any business where you are responsible for a few vehicles should consider fleet insurance. This cover is available to any business where you have more than three or five vehicles, depending on the company you choose to sign with.

If you are thinking of joining the motor trade and are going to need a few vehicles to ensure the smooth running of your business, this type of policy is a practical and affordable option.

With this type of protection you are able to place all your vehicles under one policy. What this means for you is that when it comes time to claim you are not digging through paperwork trying to remember which vehicles is covered by which company. It can save you a lot of time and energy and also enables you to enjoy a fast and convenient claims process as you have one number to call and one process to complete.

Another big advantage with this type of cover is there is only one premium to pay. This means that you don't forget premiums and let your policy lapse and you don't have a choice of premiums being due throughout the year. You have one premium which makes it easier to budget for, especially when you are first entering the motor trade.

These policies are very flexible enabling you add and remove vehicles as you buy or sell them, you will never end up paying for a vehicle you don't own any more. The premiums are affordable as you are placing all your eggs in one basket, so to speak. If you were paying premiums with a host of companies, you would pay considerably more per vehicle than placing them all under one easy to manage policy.

The biggest advantage of them all is that you can place your own personal vehicle onto the policy if you use it to get to and from work, this will help you reduce your overall costs in the long run and ensure that all the vehicles owned by you are safe and secure when driving on our UK roads.

Fleet insurance is not only a convenience, it's a way to save money. Putting all your vehicles whether they are cars, vans or motorcycles or a mix of all three into one policy can save you money and time, giving you the time to concentrate on your growing motor trade business.

Where to Find the Best Motor Trade Discounts

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Motor trade discounts can be an important part of your business, getting the best deals can save you a fortune in the long run, reducing bills and increasing your profits.

Online

The internet has become a world of knowledge at your fingertips and it's here where you can find some of the greatest deals whether you are looking for parts for a vehicle you are repairing, trying to find a cheaper insurance quote or even trying to find cheaper electricity or gas prices.

Using the internet to your advantage can be done in the evenings and doesn't have to take you away from your work during the day, enabling you to concentrate on your business during opening hours.

If you are working on a vehicle and your normal suppliers can't help with parts, you can buy online, you can order from anywhere online paying a shipping price and be able to assist your customer. Depending on where you order from will determine how long the parts time to arrive, but at least you can offer the service that the customer expects and get their car repaired.

Getting insurance quotes or comparing gas and electricity can all be done with a few clicks of the mouse where you can find the best possible deals and reduce your overall monthly budget dramatically. Every penny you can save goes into profits, if you can find cheaper parts your profits soar, you don't have to charge so much labour if you can reduce your monthly expenditure making you competitive in your area.

Suppliers

If suppliers are guaranteed a decent amount of orders from one business they will happily offer a discount. Chances are you are already receiving a trade deal on parts and supplies that you purchase, but if you sit down and choose one or two suppliers and discuss your needs with them, guaranteeing them that you will only buy parts from them, you will probably get a bigger discount.

This works in all sectors of the industry. Suppliers understand demand and if they can be guaranteed a set amount of orders, they will guarantee a better price. This may be on a scale, so depending on the amount you order will depend on the price you can get the parts at, any saving is a bonus in your industry.

Promotions

Some companies will offer various products and services to different businesses and when you see a company offering motor trade discounts you need to jump at the opportunity. Wherever you can save money in this economic climate is a blessing and can help your business increase it's profits over a set period of time.

Driving a Mini Bus

Below is a brief overview of who is eligible to drive a minibus.

First of all being able to drive a minibus may depend on when you attained your driver’s licence. Those people who had entitlement to drive prior to 1st January 1997 will find that they can drive a minibus with a maximum of 17 seats. This however is purely for personal use, not for hire and reward, whereby you would require further driving qualifications. The entitlement to drive a multi-seat vehicle (up to 17 seats) on your licence would remain valid up until its next renewal.



For a Motor Trade Insurance policy you may be capable of driving a minibus but this generally depends on the insurer you are insured with. Often insurers will allow their clients to drive multi-seat vehicles but with varying restrictions. This can include the weight of the vehicle (generally under 3.5 tonnes) or the number of seats the vehicle has. Ultimately the best way to clarify what restrictions are present on your policy is to contact your broker direct.

If you are not using the minibus in relation to your motor trade business then you may require a private policy. This can work on the same basis of a standard car insurance policy that offers varying levels of cover.

Hopefully this has given you a greater insight into driving a minibus whether that be purely for personal use, hire or on a motor trade insurance policy. If you still have queries or require a competitive quote please contact us and we'll be more than willing to help!

How Many Drivers Can I Add to My Motor Trade Insurance Policy?

The advantage of a motor trade insurance policy is you have the ability to choose key staff members to test drive vehicles for you, this takes the burden of doing it yourself away from you, freeing up your time to concentrate on the business.

The ability for staff members to drive customer vehicles is called road risks and it’s an essential part of your policy, this is what protects the customer’s vehicle when you are out on the road and should an accident occur you can repair or replace the car with ease and without a big financial burden on yourself.

You can add as many drivers as you want onto your policy, but bear in mind the more drivers you add the higher your premiums are going to be. There is no limit, but should you wish to save some money on your premium, you may want to consider choosing a few key staff members for the job.

When selecting your staff members take their age into consideration. Drivers younger than twenty five years old are considered a risk, this will increase your premiums. If you choose a driver over twenty five it will help keep the cost low.

Choose drivers with clean driving licenses, the minute they have a conviction on their license they are considered a risk, this increases your premiums yet again rather than keeping them low.

Always ask your staff if they have no claims on their private policies in their name. Some brokers will take this into consideration, it proves that the staff member is not a risk and can help you save some additional money.

Remember over and above the staff members you can include your spouse as a driver too. The advantage with that is once you include your own personal vehicles and spouse onto your work policy you won’t have a need for the private policy anymore, this can save you money in the long run.

There are so many ways to save money when it comes to your business policy and the premiums you have to pay. If you handle the process carefully and review a choice of quotes before putting pen to paper you can get excellent cover at a fraction of the cost.

Take your time when reviewing your motor trade insurance quotes, check to ensure they offer a good level of cover and their prices are competitive, this way you can make an informed decision depending on which policy best suits your business needs.

A Motor Traders Insurance Policy Can Even Cover Your Motorbike

If you’re in the motor industry and worried about how much you pay in premiums each year, did you know that you can include your own personal vehicles to your motor trader’s insurance policy reducing your overall costs.

When taking out cover for your business the biggest advantage is being able to include your own personal vehicles including your motorbike to the policy.  You can also include your spouse as a driver so you can get rid of your personal vehicle insurance completely, saving you a lot of money in the long run.

The benefit of these policies is they are flexible and can be tailored to suit any motor business whether you run a mechanical workshop, restoration centre or car dealership.  You can speak to your broker and see how many personal vehicles you can include and you are guaranteed to save money, it is also a lot easier if you have an accident to claim from one company, rather than keeping your private and business cover separate.

These policies allow for multiple drivers, multiple vehicles and cover you and your business completely including cash theft, employers liability cover, public liability cover, tool protection and theft and building cover.  When you think of what one policy can offer you it’s staggering and it will work out cheaper to add all your vehicles to one policy, rather than having them dotted about with different companies.

You can reduce your costs further by being over twenty five.  If both you and your spouse are over twenty five your premium will automatically be reduced.  This is due to the majority of UK accidents being caused by young drivers under the age of twenty five.

Reduce it even further by carrying a clean driving license without convictions and having a no claims bonus attached to your private cover.  All these combined with adding your personal vehicles to the policy, can help reduce your overall costs you pay out in premiums.

You can be assured that your spouse will be thrilled to know that the household budget doesn’t need to include the costly private cover and your business won’t be financially affected by adding a couple of additional vehicles to the policy.  This makes it a win win situation for home and work.

So whether you have a motorbike for private use or you want to add your personal vehicle with your spouse as an additional driver, your motor trade insurance policy should make this all possible.

Get Part Time Motor Trade Insurance If You Sell or Repair Cars in Your Spare Time

Do you have a passion for cars? Are you thinking of buying and selling car or handling repairs in your spare time to make extra cash?  When you work with cars in your spare time you need to consider getting part time motor trade insurance to protect yourself against any claims against you.

You’re probably thinking that you only fix one car a week or only sell one car every couple of weeks, but not having the right cover can leave you in financial distress.

If you work on cars in your spare time you need to ensure you have public liability cover, enabling customers to visit your property without any concerns and you need to have road risks cover, so you can drive customer cars without any worries.

The smallest accident in a customer vehicle while out on a test drive or something as simple as a customer falling down a step while leaving your property can leave you in financial distress.  You may think it’s not worthwhile because you only work on the vehicle a couple of hours each week, but you will be surprised how quickly you will change your mind once something happens.

The same applies if you intend buying and selling cars on weekends.  You will need to drive cars to see if they’re what you want to sell and you will have to allow customers to test drive cars before they purchase.  Having road risks and demonstration cover enable you to do this with complete peace of mind.

Getting this type of cover is easy.  There are lots of reputable companies willing to give you a quote.  You will need to keep records of all your sales and prove that you do have a full time job where you pay through the PAYE system.  You will also be required to have a valid UK or EU driving license.

If you work on cars for family members and don’t charge for the work carried out, this is not covered under this policy.  You may be required to offer proof of your invoices to show that you accept money for services rendered.

The advantage with this type of policy is you can include your spouse as a driver and cancel your personal cover, this will reduce your premiums and only require you pay one premium to cover everything.

Before you start trading in your spare time, ensure you have a good part time motor trade insurance policy in place to protect you financially from disaster.