Motor Trade Insurance

Only if they are declared on the policy. Many traders put their own car on the trade policy because it is convenient, but it has to be listed rather than assumed to be included.

It is the line on the schedule saying what the business does, and it defines the boundary of the cover. Work outside it is outside the policy, so it needs to match reality rather than ambition.

Yes, though the choice narrows and the terms reflect it. Evidence of experience in the trade, even as an employee, helps considerably when there is no business history to show.

Not automatically on road risk. It is a separate section, usually taken within a combined policy, and it is what responds when a customer is hurt on your premises.

It describes the scale of the business better than a vehicle count does, so it feeds directly into the rating. It is also checked at renewal, which is why an accurate figure matters.

Often, though it narrows the market and raises the price. Declare everything, because an undeclared conviction is one of the clearest routes to a refused claim.

That is common and insurable. The overnight arrangement for vehicles is what gets examined, so describe the driveway, the garage or the street honestly rather than calling it premises.

If you drive vehicles that belong to other people as part of the business, an ordinary policy will not respond. Motor trade cover is written around vehicles in your custody, which is the position almost every trade ends up in.

Road risk covers the driving alone. Combined adds the premises, the stock, the tools and the liabilities into one policy. Which you need follows from whether you work from a site of your own.

Usually yes, as a declared vehicle. It is often cheaper than a separate private policy, though the terms differ, so compare the two rather than assuming one wins.

Where demonstration cover has been included, yes. It is not automatic on every policy, so ask directly rather than finding out when somebody has already pulled off the forecourt.

Under a combined policy, usually yes, subject to the security conditions agreed. Under road risk alone, the driving is covered but the vehicles sitting on site generally are not.

Away from the vehicles and secured, and the policy will state exactly how. Key security is one of the commonest conditions in this trade and one of the commonest reasons a theft claim is questioned.

Only for genuine trade purposes and within the rules attached to them. Insurers expect the plates to be used properly, and misuse is both a licensing matter and a cover problem.

Often the same day once the details are in. What slows it down is missing driver information, so gather that before you start rather than partway through.