Commercial Motor

Motor Trade Insurance

Protecting your whole business, not just your vehicle

Motor Trade Insurance is not just a legal requirement, but a public responsibility for those who service, test, scrap or sell vehicles.

The Insurance Centre can find you a comprehensive Motor Trade Insurance plan with access to a wide range of renowned insurers. This allows you to select from an array of different products in order to suitably insure your business.

Key Features

  • Business interruption
  • Personal accident
  • Plant inspection
  • Road risks
  • Wrongful conversion
  • Tools
  • Public/Employer/Product liability

Levels of Vehicle Cover

There are three levels of vehicle cover you can choose from:

Third party only

Your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party cover.

Third party, fire and theft

Fire and theft cover to your car and your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party Fire & Theft cover.

Comprehensive

Loss or damage to your car through accident, fire or theft and legal liability for injury or damage you or permitted drivers may cause to others as provided by Comprehensive cover .

Want to extend your coverage even further?

You could benefit from additional cover such as Breakdown, GAP or Excess Protection.

What type of liability cover do you need?

There are three main types of liability cover

Liability cover protects companies and its members against liability claims made against them for damage or injury to people or their property. It covers the cost of areas such as defence, legal costs and legal payouts.

What’s the difference between Public and Private Hire Insurance?

The type of taxi you run will make a difference towards the policy you need.

Private Hire Insurance covers taxis which can be pre-booked or booked at a taxi rank, they cannot be hailed in the street.

Public Hire Insurance covers taxis which can also be pre-booked, or booked in a taxi rank however they CAN be hailed in the street. These are often referred to as ‘black cabs’.

 

How could I reduce the cost of my Fleet Insurance?

Overview

If you have the correct security, staff and procedures in place, you could benefit from reduced premiums for your Fleet Insurance.

Tips:

  • Fit your vehicles with dashcams
  • Keep vehicles parked safely overnight
  • Employ drivers with clean records
  • Conduct risk assessment
  • Invest in GPS tracking software

Additional Cover

This will cover the gap between the value of the car when you bought it and the value it has when you make the claim.

We have been using The Insurance Centre for a good number of years and they have always offered very competitive prices and they also answer any questions and queries efficiently.

Being able to call or visit the office has meant I’ve not had to spend time trying to contact insurance companies, which has enabled me to concentrate on other areas of our business.

I highly recommend this company and wouldn’t consider using anywhere else for our insurance needs. They are centred around customer care and the dedicated team are friendly, approachable and highly professional.

TIC are a company that care and they always go the extra mile.

Mrs K Smith | Lancaster

The Insurance Centre has provided insurance services to our company for a number of years. Their approach to customer service is incomparable, with expert advice and the most competitively priced policies to suit our business needs.

The support continues all through the insurance process from obtaining the initial quotations, changes to the cover during the term of the policy and providing assistance during accidents and claims. The Insurance Centre responds promptly and professionally to any communication.

We would highly recommend the company to anyone who is looking for a helpful, friendly, proactive and efficient approach to insurance services.

| Bay Scaffolding Ltd

I found The Insurance Centre a great company to deal with when sourcing my combined brewery and tap room insurance policy.

Suzanne’s advice was second-to-none, her attention to detail and tenacious approach meant that I was covered when my business was ready to open at a premium that was the most competitive amongst the quotes I had obtained. I will definitely be working with The Insurance Centre again in the future.

Dom Hope-Smith, Director | Carnival Brewing Company

Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.

Sarah and Ben Johnson | High Net Worth and Property portfolio client

Frequently Asked Questions

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