Home - Motor Trade Insurance Policy

Drivers tend to carry personal insurance policies to cover themselves and their vehicles. However, if you have business that involves driving, you made need a motor trade insurance policy. This type of policy will cover drivers who are not always using their own vehicles. There are several situations where this may occur. 

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In many business situations, employees may deliver products, documents, or services to customers. If the employees use company automobiles, they are not covered under their personal insurance. They need to be insured to drive any vehicle owned by the business, in the event of an accident and damage to another driver or auto on the roadway. Any business that routinely sends employees on deliveries should have appropriate insurance coverage.


Many businesses like hotels, restaurants, and clubs provide concierge services, which include parking customers' automobiles. While the staff may be covered in their own cars, they are not covered for damage that may be incurred, while parking and moving customers' cars. A motor trade policy will cover the staff and the vehicles, in the event of an accident. Having the right insurance policy in place can help a business avoid legal action, when damage occurs to customers' vehicles.


Many companies provide services to the public in various locations. A company that offers personal training, home decorating, or landscaping services will often rely on automobile travel to get to customers' addresses. motor trade insurance covers employees who must meet customers in the their homes, regardless of whether they drive their own vehicles or those belonging to the business.


Taxi and transport services rely on skilled, professional drivers. But, they must be covered in the vehicles they drive to transport customers. Motor trade coverage insures them in any vehicle they drive. A driver may need to change vehicles, so that one can be serviced. With the right policy, the driver is covered, regardless of which vehicle is used. There are no worries about adding or removing a vehicle from the policy.


When considering a motor trade insurance policy, there are many factors to consider. The policy can be tailored to the specific needs of drivers or the business itself. The most basic policy will cover drivers using their own cars or company vehicles. For an automobile sales business, coverage can be extended for customers taking vehicles for test drives.


A combined policy will cover drivers in any motor vehicle, with road risks coverage and coverage for damages to the business or the property of others. This includes potential damage to the property of customers and drivers. Some policies even cover the loss of money and valuables to drivers and transport customers.


There are many different types of coverage available to businesses and individuals, who must drive regularly to serve the public. Motor trade coverage can be tailored to the specific needs of the business. It should consider the most common reasons for loss or damage to the business property or property of others. Motor trade coverage is not necessarily more expensive. However, it protects drivers under a variety of circumstances.