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Motor Trade Insurance Questions

 

Who can drive on a car sellers policy?

Who can drive on a car sellers policy?

A growing business needs flexible motor business insurance that matches ever changing requirements. It is this that makes it important to understand who can drive on a car sellers policy. By understanding the flexibility, and the limitations, of a policy, a business is best positioned to be able to maximise its utilisation. That said, it can be frustrating trying to get a direct answer to this question online.

The simple answer is that a car sellers policy will cover whoever was agreed. An insurer will specify who they insure in a policy document. This is typically shared at the start of a contract, but is often made available in advance, so businesses can check the levels of coverage.

We have worked with a wide range of motoring companies and have organised a wide range of type of coverage. But, there are certain associates that are more typically requested for inclusion. Sometimes adding these persons can be straightforward. But in some cases it is not the most economical way of getting the right level of coverage. These are the most commonly requested coverage types:

Business use insurance for car sellers

At a minimum the business owner will be covered, of course! But even in this case businesses must take the time to understand if the usage types. For example, you will have coverage for business use, but how about commuting? You will not necessarily be covered for social, domestic or pleasure. Of course this is something that can be arranged with many underwriters.

It is the policy conditions that will clarify when, and how, you can use the vehicles under your possession. businesses may need to confirm usage of cars with business plates or customers cars, is possible. It may be that personal vehicles that can be covered by the same policy too. Working with us, we will be able to help car businesses understand any limitations a policy may have. We can work through the terms and conditions with you.

Business insurance coverage for your wife or husband.

Often businesses owners look for coverage for their wife and husband as part of their motor business insurance policy. This can be possible, like with a personal policy there can be the opportunity to include named drivers to some vehicles. But once again it is essential to examine the specific policy details. For example your spouce might not be covered for domestic usage (SDP), and this type of assumption can be risky. It is also a fact that it may not be the most affordable way to insure all the cars in your household. By working with a broker for businesses insurance requirements, businesses can often find family the coverage they need, even if you are a small motor business working part time from home.

Employees driving on a businesses insurance policy

In order to conduct business it is essential to have the coverage for all of your employees. Whether buying and selling cars, working in a garage, or running a mobile service, employees will need to move vehicles on a businesses behalf. The right motor business insurance policy helps business owners to get the peace of mind. It is important that all employees have the correct levels of coverage, and the security this offers. It is also possible to arrange for insurers to cover employees moving the vehicles of customers.

In all niches, it is important that you can protect customers vehicles. But unfortunately accidents do happen. There are a wide range of insurance policies that give businesses insurance for employees. Although this is a common feature of businesses insurance policy, it is still important to check your policy documents.

It will also be valuable to shop around. Especially when scaling up your operations and recruiting employees, as your current insurer may no longer be the best value. Also businesses with younger employees, such as mechanics under 25, Should shop around. As some underwriters are more competitive than others for different circumstances.

Coverage for Customers for test drives

When buying and selling cars, the test drive is typically part of the transaction process. It is this that helps a customer to decide if this is the correct vehicle to meet your requirements. As this is so important there are a very wide range of insurance products that will cover for your test drives.

Typically if this is a feature of a motor business policy, businesses must notify their insurer that a car has come into possession. Following this it can often be offered to anyone to drive for this purpose. Although again, age restrictions can apply.

It is essential to check the conditions when considering let another drive under your motor business insurance policy. If caught without insurance, the severe penalty of endorsements is just one of the problems you will face. Check policy conditions match what was agreed by your broker. Policy terms are the legal contract.

It can be a lengthy process getting coverage for all the vehicles in your care. In response to this, we have streamlined the process of applying for car business insurance. Please complete the form and we will work with you to aim get the most suitable coverage for yourself and the people you work with.

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Motor business Insurance Services


Motor business Insurance

Motor business Insurance

Evans & Lewis are experts within the motor business field and have a number of experienced representatives who can provide a cheap motor business insurance  quote.  Within a matter of minutes it is possible for us to take down your details and generate a competitive quote within this market.  Over the years we have developed strong relationships with several insurers and as we provided numerous policies within this sector we are able to provide you with a quality service.

With our knowledge and understanding of this market we are  able to provided competitive quotes for combined motor business insurance with premises and also the tools and equipment that are used within the motor business.  Getting the right motor business insurance policy is crucial when running this type of business and the level of indemnity can be set to cover whatever type of vehicles  you are using.  We have specialist schemes for motor business insurance with buildings and also combined motor business insurance with property and tools cover.

As we are not a call centre we are confident of providing a first class service with a competitive pricing structure.  We also have a dedicated claims handling team which will take the initial details of your claim and process it right the way through to its conclusion.  We can also offer additional business use and also provide excess protection.  Thus, in the event of a claim you would not be lumbered with the excess.  We therefore feel that we can provide motor business insurance combined with additional features that can be tailored to suite each individual business.  (read more)

To obtain a low cost quote please call 0161 5434552

Road Risk Insurance

Road Risk Insurance

Evans & Lewis Insurance specialise in providing Road Risk Insurance for Motor business business’ and business’ that sell vehicles.  In recent times there has been a contraction in the Insurance market within this sector.  There are now fewer Insurers to provide these types of policies.  We  have an experienced team providing competitive quotes for Road Risk and also provide cheap combined Motor business Insurance.  We offer a range of payment options that can assist individuals to spread their payments over a variety of terms.

So whether you are looking for a Road Risk policy or Motor business Insurance with premises cover, it is extremely important to talk to a specialist in the Market like Evans & Lewis.  It will take a short time to go through your insurance requirements and we provide quotes for Motor business Insurance combined with Buildings and also Employers Liability and Public Liability. 

We  can offer a range of different levels of cover.  From third party only, third party Fire & Theft or fully comprehensive.  We also provide excess options from £250 - £1000.  There are also specialist policies which cover vehicles in transit, vehicles left at business premises and it is also possible to protect your no claims bonus.  (Road Risk Insurance)

To get a competitive  Motor business Insurance Quote
Please call 0161 5434552

Combined Motor business Insurance

Combined Motor business Insurance

When running  a motor business business is very important to have the correct insurance policy in place to cover  all eventualities that can arise during the year. If you are employing staff and own a premises then the best cover is a combined motor business insurance policy that will enable to put all the facets of your company under one roof. The main constituents of the policy are the road risk, employers liability, the public liability and the buildings cover. It is also greatly under estimated the importance of cover that provides revenue for you in the event of fire or flood or any other circumstance that may occur to your business activities.

In order to obtain the best costing it can be advisable to increase the excess as this can assist in lowering the motor business insurance quote. Once you have identified all the attributes that you require with the policy it is best to speak to several firms who have significant experience and a dynamic approach to the service. Always choose a broker who has a reputable claims handling line because this is in essence what you are paying for.   (read more)

Telephone us now on 0161 5434552

Motor Fleet Insurance

Cheap Motor business Insurance

How To Get Cheap Motor business Insurance Premiums Through Knowledge Knowing how to get cheap motor business insurance premiums for your motor business business can require some brainstorming.

Most operatives in the motor business are clued up business men in the middle of a daily vehicular business and the last person they wish to deal with is a broker who doesn't know their business. You know the ins and outs and wish to deal with an insurer which is straight and shows common sense. Understanding the needs of the individual business, premises, vehicles, liabilities, indemnities and drivers to be insured.

Our clients offer advice about cars as a dealership or making essential body and engine repairs as a mechanical repairer whose coverage needs to be the right level to offer customers guarantees on the work carried out. There are also car park owners who are tasked with the safety and security of thousands of cars on a weekly basis, entrusting Evans and Lewis with their livelihoods and insurance coverage. A vast swathe operate in vehicle recovery as a breakdown service or offer garage repairs as mechanics. Their customers expect the highest level of service and so should you. (read more)

If you would like to arrange a quote for insurance
Please call us now on 0161 5434552

Under 25 Motor Insurance

Under 25 Motor Insurance

Motor business insurance for the under 25’s has significantly contracted in recent years and there are now only 2 or 3 insurers in the market place who will cater for this type of risk.  Often enough the insurers will request a business plan that provide projecting financial forecasts.  If an individual is looking for a combined  motor business insurance with premises, then again, a similar format would apply.  The insurers are increasingly wary of individuals who take out this type of policy but are not working within the motor business.
We have an in depth and broad understanding of the motor business insurance market and we have gained experience over the years to ensure we can deliver  low cost solutions to suit your business.  When starting off in the motor business it is of paramount importance to contain all overheads that will enable the business to grow, rather than being lumbered with large costs.
The motor business insurance that we provide is for vehicle sales, servicing and repair, windscreen fitters, valeters and tyre fitters.  So whatever business you work in within the motor business sector, we are confident of finding you the best insurance deal.  As we have worked with our insurers for numerous years, we can negotiate on your behalf to find a motor business insurance with buildings  solution that is bespoke to each business.  

(read more)

Please call 0161 5434552 or email info@evansandlewis.co.uk

 

8 Frequently Asked Motor business Questions

Where Do I Find a businesses Insurance Online Quote?

Who Does The Lowest business Insurance Cover Price?

What is a Car Road Risk Insurance Policy?

Who Has Discount business Insurance Offers?

Why Have A Car businesses Insurance Policy?

How Much Does business Insurance Cost?

Who is the Best Car Motor business Broker?

Advice on Starting a Motorbusiness Business

   

 

 

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