Motor Trade Insurance Comparison

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When obtaining quotes to protect your business it’s important to fully understand the need of motor trade insurance comparison. You could obtain one quote, review it and sign for it, but is it the best possible offer? Did you get the cover you needed? Are you paying too much?

Saving money is on the forefront of everyone’s mind these days, you want the best level of cover for the lowest possible price and why not? There is no reason you should be paying a fortune each year just to ensure your business is safely protected. It’s the higher prices which caused so many companies to allow their policies to lapse during the recession, a very dangerous situation to put yourself in.

Taking the time to obtain a number of quotes in writing. I always suggest three, three is a good number when it comes time to checking them against each other.

If you are applying online the quotes will come directly into your email inbox, enabling you to spend an evening at home on the couch to go through each one with a fine tooth comb.

It is so important to review each quote thoroughly, you may find that you are not offered enough public liability cover or that the policy is only covering you for third party cover. Both of which you know will not be enough should you ever need to claim. You want the policy to offer you the best level of protection possible so that it saves you money in the long run, otherwise you are paying annually for a cover that you will still need to pay into should you ever claim.

Once you have reviewed all the quotes contact the brokers to make the necessary changes, you’ll notice the premium offered will change. This may depend on how many drivers you add to the policy, what risk these drivers pose to the broker and whether you have any security systems in place in your place of work. Everything is included to determine how much of a risk you are to the broker.

When you have chosen one quote that stands out, don’t just accept it. Be sure to check the customer reviews on the broker, you want a broker that is reliable and reputable and one that offers a fast and effective claims process. Being your business, should you ever need to claim you want peace of mind that your claim will be processed in a timely manner and this is why motor tradeinsurance comparison is so important when obtaining cover for your business.

Motor Trade Liability Insurance is Cheaper than You Think

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There is no reason why your motor trade liability insurance should cost you a fortune each year, this level of cover has become competitively priced making it easier for you to ensure your business has the right level of cover at all times.

That being said there are some steps you can take to ensure you don’t overpay for your policy and that your business still receives the best level of cover available.

As a business owner you should be reviewing your policy on a regular basis, looking for ways to reduce your premium while still receiving the right cover you need. One of the ways to do this is to search online.

The internet has opened up many doors for businesses looking for protective cover and the benefit is that you find the quotes obtained here are more affordable than if you were to approach a broker directly.

Obtaining Quotes

Before you start obtaining quotes it is important to remember that cheaper isn’t always better. Keeping that in mind you can go online and start your search. You’ll be amazed how many brokers are online ready to give you a quote there and then.

It is advisable to get a minimum of three quotes, this gives you a choice and enables you to review each one and compare them against each other to find the right solution for your business.

What to Watch Out For

Before you put pen to paper on the most affordable quote that comes into your email inbox, it’s important to know what to watch out for. Bear in mind that a company offering you a quote online doesn’t know your business or your immediate requirements. This means a majority of the time your quote only has the bare minimum cover and in some cases some essential cover is omitted completely.

One of the items you will find where you are offered basic cover is your public liability cover and as you know this is essential for any business. A public liability claim against you can amount to thousands and leave your business in serious financial trouble, so it’s important to make the necessary amendments to ensure that this cover is adequate for what you need.

Amending, Reviewing and Signing

Once you have made any necessary tweaks to the quotes and discussed them with the broker, it’s time to review again. You can review each quote which now states the exact level of cover you need.

From here you can make your decision based on price, cover and the reputability of the broker. Once you have read the client reviews and you are happy with your choice you can sign on the dotted line and enjoy affordable motor trade liability cover.

Motor Trade Recruitment in 2013

After a rather disappointing few years in the motor trade recruitment news thanks to the recession which took a grip on the country, things are definitely on the up and up. After we saw so many people losing their jobs and businesses within the industry closing their doors, it's a welcome break to see new jobs hitting the job boards, more companies opening their doors for new employees and more people joining the industry.

Already this year two major vehicle manufacturers have announced that they will be recruiting over one thousand employees between them, a huge improvement to what we have seen in recent years.

As far as internships go, this is also on the rise with the government assisting the smaller companies and enabling them to take on interns, adding more people to this top industry in the UK.

As you probably know the vehicle industry is a huge business here in the UK from the manufacturing plants to the mechanical workshops and from the MOT centres to the car dealerships. These sectors of the industry are constantly needing employees to push the businesses forward and as we see more and more companies getting their finances in order and planting their feet firmly on the ground we can expect to see more jobs coming available in the coming months.

Where to Look

If you are already working in the industry and want a change or you have just completed college and are looking for your first job, then there are a few options available to you. The internet is often the best resource when looking for work in the industry.

The internet provides a host of job sites and advertising available positions on these sites is an affordable way for businesses to find new recruits. Keep your eye on the job sites, check for suitable positions in your area and have your CV ready to be emailed in the blink of an eye.

Remember that when applying for one of these positions you are probably one in a hundred applicants, you need your CV to stand out. Keep it short and to the point, highlight your abilities and accomplishments and ensure that your CV says why you are the best choice for the job.

When it comes to motor trade recruitment this year you can expect a lot of companies hiring again, it's being abreast with the developments, knowing what jobs are coming on the job sites and keeping your CV up to date and ready to send that will help you get your foot in the door for that important interview.

A Review of New Technology in the Motor Trade

The motor trade is constantly evolving and technology is advancing in such leaps and bounds that it is actually keeping up. For years people within the industry had to rely on their own resources to make a success of their businesses.

In the industry today there are new technologies constantly being introduced. Some of the advances we have seen in the past included the assisted braking in vehicles to ensure that drivers were safer on the roads and then there were the three point seat belts.

Today technology is so advanced that people within the industry can start making the most of the things available. One of the exciting developments are the self-drive cars which are already being tested in the USA. These vehicles have been designed to drive themselves according to the Google Maps software, they will advise the driver when they need to take over the control of the vehicle but on long distance drives, the driver can sit back and relax.

Interestingly only one accident has been reported with these vehicles and it was parked stationary at a traffic light and was bumped from behind.

Another exciting development within the trade that is being introduced around the world is the intelligent speed adaption. This technological advancement has already been introduced in many countries around the world where the vehicle will actually slow down its speed to ensure it doesn’t’ accidently bump into the vehicle in front of it.

For the Trade

While there are so many advances when it comes to the vehicles themselves, it is the actual technology which benefits your business that you are interested in. We have already seen so many car dealers benefiting from the internet and websites available. The ability to list vehicles as they come in and put them up for sale either in a classified listing or via an auction site has already improved sales.

If you think about it the internet has become a way of life and the majority of clients will search for vehicles online and even book test drives directly from their computer or smart phone.

Which brings me to the next technological advancement and that is the smart phone with internet capabilities and an app for everything. You’ve probably heard the saying there is an “app for everything.” This couldn’t be truer and one of the apps available enables you to search a vehicle according to the registration number to ensure it is not stolen and has never been written off, a fantastic technological app for the motor trade when buying cars for resale.

Brought to you by Motor Trade News.org

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Will Couriers Insurance Cover My Car or Van?

UPS 128314 (Photo credit: kenjonbro)

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When running a transportation business you want to know that all aspects of your business is covered. Being in the transport industry you want to know your building, staff and vans are covered by your couriers insurance, but what about your personal vehicle?

Chances are on a very busy day you get a call to collect a package in a nearby area, all your vans are already on the road so you hop into your own personal car or van to pick up the parcel. Now you may not know this but if you have private cover in the event of an accident while driving for work you are not covered, the safest thing you can do is include your own personal vehicles to your business cover, this way you can collect packages in your local area with ease whenever you want to.

The ability to cover your own vehicle under the business policy can save you money in the long run. You don't have a private cover that you need to pay for any more, you can even add your spouse to your list of drivers, enabling you to completely cancel your private policy and only have one premium to pay.

Of course this type of cover protects so much more than your own personal vehicle, there is your building which you can protect against fire, storm damage and theft. There are the parcels which while in your possession are your responsibility and there are your vans.

Over and above all of this you need to have good liability cover. Public liability is essential, a delivery person walking through your doors and injuring themselves can see you slapped with a hefty fine. Remember that when someone lays a public liability claim against you, you are legally responsible. This can be for loss of income, mental distress and medical expenses.

You also need to ensure that all your staff members are covered by employer's liability cover which is a legal requirement here in the UK. A staff member that is injured on the job can claim for loss of income, so besides abiding by the law it is in your financial interest to ensure you have adequate employer's liability cover in place.

When selecting your drivers always choose drivers with clean driving licenses, combine that with the ability to add your private vehicle to your couriers insurance and you can save yourself some money in the long run.

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I'm Looking For Jobs in the Motor Trade, What's The Market Like in the UK?

If you're looking for a motor trade job then the UK is probably one of the best places to be in right now. When you page through the number of positions available there is an abundance throughout the country.

Yes we did suffer with the recession, but the majority of jobs that were lost were in the factories, there still remains a demand for mechanics, managers and sales people.

Mechanical Workshops

The past two years has seen people uprooting their families and moving to where the work is and the same applies when looking for work as a mechanic in a mechanical workshop. The advantage now is that if a company is looking and you qualify, you don't have to worry because the recession is over, so companies that are still standing now will be standing in years to come, meaning you have job security.

In the workshop side of the industry you find both the larger dealerships and the smaller independent workshops are looking for the right staff members. You will need to keep an eye on the local paper and scout the internet to find the positions and bear in mind that there are a lot of people looking for this kind of work, so be sure your CV really puts your best foot forward to make an impression.

Car Sales

The car sales industry is stabilising nicely which means that companies are hiring again from secretaries and accounts managers to branch managers and sales people. This is the side of the industry that was really hard hit during the recent economic crisis, car sales plummeted which lead to job loss, but now that sales are increasing so are the positions coming available.

The majority of positions offered are at car dealerships, known brands from branch managers to sales managers and sales personnel are all positions currently being advertised on the internet.

UK Job Market

All in all the job market in the UK is definitely improving as more jobs are advertised on a daily basis. If you are looking for a position it's advisable to keep an eye on the internet and email your CV as and when they are added, also get in touch with workshops and dealerships in your area to see if they are hiring at the minute and speak to friends who are already in the industry, this will enable you to get your name on the list before they advertise.

We can expect to see even more motor trade jobs hitting the internet in the next few weeks with the holiday season and winter upon us, people are going to start repairing their vehicles, maintaining their vehicles again and buying new vehicles.

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What Do I Need To Study To Get a Job In The Motor Trade?

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If you are thinking of joining the motor trade the sector you are interested in will determine what you need to study. Bear in mind that this industry doesn't only relate to vehicle repairs, there are sales, accounts, dealership management, restoration and so much more.

Vehicle Sales

If you are interested in selling cars either for a large dealership or opening your own smaller independent business, then a sales degree of some kind can be useful, but not essential.

For vehicle sales you need confidence, a good knowledge of cars and superior communication and organisational skills. Many school leavers turn to car sales to make an income without any sales or marketing degree, you are able to get ahead without them, but an additional degree can be useful to help you close the deal.

Management

Many of the larger dealerships are looking for branch managers to run their stores. This requires a management degree and the ability to manage staff, communicate effectively and delegate. As a manager you will be responsible for the entire branch, meeting sales targets, managing both sales and administrative staff and dealing with customer complaints and problem solving.

Bookkeepers and Accountants

An accounting degree is essential if you want to work for one of the larger companies. All businesses need accountants but the larger companies will hire in-house accountants and if you are interested in joining this sector you will need an accounting degree.

Workshop

If you love restoring old cars or fixing new cars a mechanical engineering degree can be useful but not always essential. Many schools offer mechanics as an additional subject, so if you really want to get your foot in the door this is a good place to start.

If you have been a person that has always spent your weekends fixing up old bangers in your garage, then you can get away with not having a degree, not all workshops find this essential as long as you know engines, can problem solve and can carry out the repairs effectively.

In many cases throughout the industry you are able to find intern ships where you can learn as you work, even though you will be paid substantially less than someone who is already qualified, it's a wonderful opportunity to get your feet wet.

If you are able to get an intern ship you are able to work and study at the same time, or maybe help out after school on certain days. These intern ships can often lead to full time employment once you are qualified, but the advantage is that you gain valuable hands on experience while you study to enter the motor trade job market.

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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.

Reasons You May Be Interested in Different Types of Motor Trades

When joining this industry you are not restricted to one sector of the industry, there are many motor trades to choose from, which is why it may be of interest to you.

Many people that think of this industry immediately gear their thoughts to the mechanical side of the trade. Mechanical workshops are found throughout the country and are a very important aspect of the industry as a whole. Without these mechanical workshops the vehicles on our roads would not be safe, they would be breaking down on a regular basis and there would be more accidents to account for.

Most people join the mechanical side of the industry because they enjoy the ability to problem solve, find the solution to the problem and fix the vehicle. Many who choose this sector of the industry as a career have been tinkering with cars for many years, some since they were children tucked away in the garage with dad working on cars and bikes.

Then there is the sales side of the industry, which offers the opportunity to combine your sales and marketing degree with your love of vehicles. This is a very niche market where sales people have a vast knowledge of motor vehicles and combined with a college or university degree, they are able to join this sector of the industry and enjoy what they really love, cars and sales.

There are many job opportunities in the industry for those who love restoring older vehicles to their former glory, managers, accountants and secretaries. The industry requires a diverse number of individuals to run and whether you are a mechanic or an accountant, your services will be needed.

For those with management degrees there are the larger franchised dealerships that are always looking for quality managers. People who love cars, but at the same time can manage staff, ensure they reach targets and come up with new and inventive marketing initiatives.

Some are lucky enough to get into the very niche market where they build vehicles according to customer specification, I am sure you've seen “Hot Rod” and “Fast and Loud” on television. These are niche markets, markets where you can use your creativity and combine it with your love of vehicles, your mechanical knowledge or panel beating knowledge to produce quality vehicles for customers.

There are so many sectors of the motor trade that you may be interested in. It's advisable to learn about each of the sectors of the industry before making your final decision.

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What Does The Job of a Mechanic Entail?

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When considering to enter the motor trade industry, you may be wondering which sector of the industry to join. Maybe you want to try the workshop side where you can work with your hands or perhaps you prefer the dealership side where you can sell people their new cars. As a mechanic you will need to have good problem solving skills and enjoy working with your hands, otherwise this job is definitely not for you.

Repairs

In a workshop environment whether you work for a large car dealership or an independent company, you will need to do vehicle repairs. Cars or vans will come in on a regular basis, maybe they are even delivered by a tow truck because they have a serious mechanical problem, it is up to you to find the problem and fix it.

This is where the problem solving skills come in, you will need to have a good understanding of engines and how they work. Knowing your business can ensure that repairs are carried out quickly and effectively, enabling the customer driving away with their vehicle as good as new.

Services

Another aspect you will deal with on a daily basis is servicing. Vehicles of all kinds need to be serviced on a regular basis, this may be a minor service where you drain the oil and replace with clean. Each service must be done in a short period of time following the required guidelines to ensure optimum performance from the vehicle.

Checks

As winter takes hold of the UK more people are taking their vehicles into workshops to have them checked over for the winter months to make sure they are safe. Customers don't want to end up stuck on the side of the motorway in icy conditions. Quality checks are common in the workshop environment, it may mean test driving the vehicle, testing the tyres and checking the oil and water to see if the car can be given the all clear.

MOT Testing

Many workshops also run a MOT test centre and you may get involved in that. What this entails is to ensure that the vehicle is safe to be driven on the UK roads. There are guidelines to work by and your job will be to check to see the car meets these requirements, if not work will need to be carried out by a mechanic to make the car safe and give it the all clear for another year.

Brought to you by www.motortradenews.org

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