Part-time Motor Trade Insurance

Before you get in touch to discuss the best insurance quote for you, it’s a good idea to think about your reasons for needing cover. It’s much easier for us to help you to find the right policy if we know a thing or two about how you prefer to work. Make sure that you’ve considered:

• The need to insure customers’ vehicles so that you can road-test them
• The money tied up in a vehicle if it’s damaged or stolen
• The likelihood of a claim as a result of work that you have carried out
• Covering the value of lost or stolen tools
• Potential savings that you could make by including cover for your main occupation as an extension to your part-time insurance.

Get covered with Part-time Motor Trade insurance from Road Runner

We’ve been supporting businesses in the motor sector for over 25 years, so we’ve got a wealth of experience to call on when it comes to yours. Don’t worry; there’s no obligation to buy if we’re not right for you, so be sure to get a quote online today.

Got any questions? Feel free to contact us by phone from Monday to Friday, 9am-5pm, or drop us an email whenever it suits you. If you’d prefer that we ring you, we’re more than happy to do that instead.

A part-time motor trader is someone who works in the motor trade business on a less than full-time basis. Perhaps you only work certain days of the week, evenings, and weekends – this makes you suitable for part-time cover. We provide tailor-made packages to help all kinds of people in the car world.

So, whether you work alone, in a partnership, or operate a limited company, and you work in the motor trade business, our part-time trader’s insurance could be for you.

Part-time motor traders’ insurance needs could fall into three key areas: Road Risks insurance, Liability insurance, and Premises insurance.

These types of insurance will vary depending on your business. For example, a car re-seller will have different requirements to a valeter.

As part of these types of cover, part-time motor traders might want to consider:

• Comprehensive cover (ideal for protecting against damage or theft of equipment and stock)
• Cover for all vehiclesowned by the Policyholder and/or the Policyholder’s spouse if they’re a named driver
• Accompanied demonstration coverto allow potential purchasers to test-drive any vehicles that you have for sale, and:
• Additional business use, which covers your own vehicles for use in conjunction with your main job.

This type of cover is required by motor trade professionals and businesses who operate on a part-time basis.

This cover offers protection against risk – regardless of the days or hours that  you, as a motor trade professional devotes to cars and other vehicles. It’s a requirement of anyone who works with vehicles directly as a part of their product or service – whether that’s selling, repairing, or servicing.

This insurance protects people like you from those industry-specific risks, as well as more general ones. This may be damage to customer cars while in your care or accidents on the road in vehicles being transported for sale.

Although specific Part-time Motor Trade insurance isn’t a legal requirement in the UK, some elements are compulsory and worth protecting yourself against. This includes employers’ liability plus individual elements that may be needed for certain activities. For example, driving any sort of vehicle on public roads – whether testing a customer car or transporting a new purchase – requires you to have road risk insurance in.

This insurance is recommended for businesses to protect them from a range of operational risks, such as public liability, theft, premises damage, vehicle damage, and accidents. Get in touch with our team to discuss your part-time insurance needs.

Each insurer offers something different but at Road Runner we can provide part-time traders with the level of cover that they need – including comprehensive cover if needed. This adds another layer of protection, giving you greater confidence that your business can cope with whatever bumps in the road lie ahead.

Being a part-time motor trader might affect your home insurance. This is because normal home insurance doesn’t usually cover additional work-related events that occur on home ground. So, in the event of an incident, you might not be covered.

If you conduct part-time motor-related work from home, then you need to notify your home insurance provider – especially  if you’re directly working on vehicles or having customers or mechanics/vehicle workers in your home.

We can help you get the specific protection you need, wherever you’re working from – but it will be a different policy from your home insurance.

All the roles and sectors within the motor trade are covered by this cover – plus a few you may have not even considered. These include; car dealers, vehicle recovery mechanics, and body shops.

In addition, we work to cover auto electricians, classic car specialists, car delivery agents, engineers, exhaust, tyre and windscreen fitters, mobile mechanics, MOT testers, valeters, and car washers.