Part-time Motor Trade Insurance

Even if you're not working in the motor trade industry full-time, having the right level of protection is still vital. That's where our bespoke insurance comes into its own. Get the cover you need for the amount you work – it's as simple as that.

Ask for a Quote

Give us a call

03301 00 87 20

Or, we'll contact you

What is Part-time Motor Trade insurance?

Part-time motor trade insurance is cover that protects people that work in the motor-trade industry on a part-time basis.

It includes all the features and benefits of a standard motor trade insurance policy – but with added flex. We understand that, as this may not be your full-time gig, additional insurance costs may be hard to justify. Which is why we’re able to provide this alternative to make sure you only pay for the cover you need.

You might be a mechanic, panel beater, car valeter, spray-painter, car salesperson, or run another business in the motor trade. This form of insurance ensures you have the fullest cover needed, when and where you’re working – with minimum exclusions and exemptions, even if this isn’t your main job.

What does Part-time Motor Trade insurance cover?

We offer different insurance policies depending on the type of cover you’re looking for and need. The fundamentals are:

  • Road Risks insurance: So that you can road test customer vehicles, or be protected for a sales vehicle that you’ve only just bought
  • Liability insurance: To protect you against third-party claims, fake or not
  • Premises insurance: To protect against loss or damage to your equipment, tools, or trading premises

And remember…just because you only work with motors some of the time, it doesn’t mean that you won’t be able to find the right insurance for you and the services you provide to your clients.

Ready to get Part-time Motor Trade Insurance from Road Runner?

Why choose Road Runner for part-time traders’ insurance?

Unlike the cars you work on, we’re here to break this one down.

And…you’re under no obligation to purchase. If after chatting to us you feel we’re not the right cover match, that’s it. No pressure.

Supporting motor trade businesses for 25+ years

We’ve got a wealth of experience – especially with traders who work part-time.

It’s all about the flex

That means we’ll shape a policy adapted to your hours, particular skill/business, and working environment – and at a fair price.

We get personal

If you need to contact us, you don’t have to use a chatbot. You’ll have your own account handler who is part of a specialist, dedicated team who know their alternators from their axles.

More about our Part-time Motor Trade insurance

We appreciate that your requirements will vary from those that trade full-time. But despite your reduced hours behind the wheel of a customer’s car, you’re still at risk.

Even when trading part-time, you’re at risk of a third-party claim or prosecution if something happens to someone on your premises. Plus, you’re at risk of having tools and machinery damaged or stolen.

For example, if you work on cars just at the weekends or evenings, you still need to have adequate insurance for the place you’re working in and, of course, have liability cover in place. When it comes to being a part-time professional, the hours may be different, but the risks, considerations, and conditions are the same as they would be for someone working full time, so make sure you get the cover required for the amount of time you work.

Your insurance needs are still sizeable – but the final premium price needn’t be. That’s just another reason to come to an understanding insurance expert rather than simply taking a punt via a comparison website.

Mechanic wearing safety glasses and gloves uses a wrench to work under a vehicle in a well-lit auto repair shop.

What else is included with Road Runner’s Part-time Motor Trade insurance?

The fact you work part-time shouldn’t limit the range of insurance options available to you. We can also offer the following:

  • Comprehensive cover, not Third-Party only – so you’ll be protected in the event of damage or theft
  • Cover for all vehicles owned by the Policyholder and/or the Policyholder’s spouse if they’re a named driver
  • Accompanied demonstration cover to allow potential purchasers to test-drive any vehicles that you have for sale
  • Additional business use, which covers your own vehicles for use in conjunction with your main job.

 

Why get Part-time Motor Trade insurance?

You need speciality motor sector insurance to protect you and your business from all of the same vulnerabilities and circumstances as full-time workers. Whether that’s an incident while returning a car to its owner, damage to machinery, or a liability case, you need to be protected and have peace of mind.

Working part-time doesn’t separate you from risk when delivering your services to clients. But the cost of a standard annual insurance policy can be hard to justify, particularly if you don’t have a full-time level of income.

That’s where a Road Runner insurance policy that fits your working patterns could be ideal. You’ll save money, avoid pointless extras, and get the cover you need – when you need it.

We don’t mind that you don’t work in this world full-time – we’re still more than happy to cover you for the time you do work. Plus, we may even be able to provide ‘additional business use’ if you have another key career elsewhere. If you already work in motors as your main job, even better!

How much does Part-time Motor Trade insurance cost?

Our policies are always uniquely tailored to your needs and requirements, even if you are part-time. Because of this bespoke approach, the cost of this type of insurance can vary depending on a few key factors. These include:

  • The level of cover required
  • Your specific motor speciality/business
  • The value of your premises, tools, and equipment
  • Your business location
  • How much you work

If you’re looking for a specific figure, get an online quote today and let’s get you covered.

Mechanic in a garage holding a car tire, with a black car in the background and shelves of tires behind him.
Car with engine showing

Our Criteria

We ask all customers to meet the following criteria before we give you an insurance quote and cover you:

  • You and all drivers are aged 23 and upwards
  • You’re actively operating a motor-related business for profit or income
  • You and all drivers have never been disqualified from driving nor been convicted of driving with no insurance
  • You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor have any criminal convictions pending
  • You, any partners, directors, employees, or drivers have never had a policy cancelled, declined, been refused renewal nor had any special terms or premiums imposed.

Ready to get Part-time Motor Trade insurance?

Part-time Motor Trade insurance FAQs

What do I need to consider when choosing 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.

What is a Part-time motor trader?

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.

What insurance do Part-time motor traders need?

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.
Who needs Part-time Traders’ insurance?

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.

Is Part-time Motor Trade insurance a legal requirement?

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.

Is Part-time Traders' insurance fully comprehensive?

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.

Does being a Part-time motor trader affect my home insurance?

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.

What trades are covered by Part-time Traders' 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.

Your Road Runner team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but get to know you and your business. So, let’s introduce:

Our other products

Latest News

Ready to get Part-time Motor Trade insurance?