Part Time Motor Trade Insurance

Get more part-time motor trade insurance information 

Motor traders working from home
What do I need to think about when working as a part time motor trader from home?

It's a person's dream to make a living from a hobby. The online part time motor trade insurance quote that we provide makes dreams come true. Our brokers are all to happy to assist in offering helpful tips and advice on how to lower your monthly insurance premiums.

What do I need to apply for part time motor traders insurance?

You do need to prove you are either an active buyer, seller or repair cars. As this insurance policy comes with quite a lot of perks. Built on a form of normal car insurance, the dangers of driving for your part time business are built on top. Therefore social and domestic use is included as standard. This just leaves you to consider high end machinery left in your vehicle and the tools you carry around. pay as you policeis can really help new start business.

While it is a simpler for part time motor trade insurance premiums, you do need to be up front about your exact services. As a trader you are legally obliged to have a variety of liability cover, to protect yourself and the public. This would be public liability to a certain value, for services and sales of vehicles, indemnity insurance. This covers parts and manual work in the event a claim occurs because of an accident or parts failure.

How does working as a part time motor trader, from home, affect my home insurance?

Please do note that your normal home insurance needs to be advised of work at home activity, especially when it comes to working on vehicles and having visitors to your home. In most cases normal home insurance doesn't cover additional work related events.

This policy covers all work related activity at your home. It can be tailored to be a fully inclusive 'with premises' policy should you have an additional building you work from. Home addresses do not typically apply but you can contact us for further information. Your tools and vehicles will be covered for theft and fire / damage whether in your garage, in the vehicle or at third party premises such as a subcontractor.

How can I find suitable insurance for my part time motor trade specialism?

All road risks with breakdown recovery and extra attention paid to more dangerous part time jobs such as on call breakdown recovery agent, tipper or high end, luxury car and sports car transporter.

How do I find the best insurance for my part time motor trade business?

To discuss the best part time motor trade insurance policy this side of full time work, do please complete the short enquiry form. We will endeavour to call back at your earliest convenience.

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Are you working as a part-time motor trader? Here is everything you need to know about part-time motor trade insurance.

Advice About Part-Time Motor Trade Insurance

Part-time motor trade insurance is intended to meet the needs of people who operate in the motor trade on a part-time basis, as the name implies. This could be due to the fact that they have another business or work and acquire and sell vehicles in their spare time or patch them up for resale as a sideline. Whatever the circumstances, it is critical that they secure the appropriate insurance to protect the vehicles that must be driven, tools, maybe equipment, and vehicle stock, just like a full-time trader.

If this describes you, whether your involvement in the trade is something you do on weekends or in the evenings to supplement your other business or profession, compare motor trade prices to see what's available and getting a quotation for part-time motor traders insurance could help to save you money if you previously took out separate insurance on all of your vehicles separately.


What is motor trade insurance part time?

Part-time motor trade insurance is not significantly different from full-time insurance, with only a few critical changes made to adapt the coverage specifically for dealers who are active less frequently. Vehicle maintenance, servicing, restorations, MOT testing, tire, and exhaust replacement, valeting, and sales are all covered in both circumstances. As a part-time trader, you are less likely to have workers or your own premises, which will be reflected in the policy. It can also cover a second vocation; this is known as extra business use, and it means that both your motor trade business and your other business can be covered under the same policy. This would apply if you were working from home or a premises.

What is a part-time motor trader?

Part-time motor traders work in the motor trade business, but they frequently have another profession or primary occupation, or they do not deal with a large enough number of automobiles to necessitate additional insurance coverage. You will, however, require motor trade insurance.

What insurance do part-time motor traders need?

Most part-time traders work at home, whether servicing or purchasing and selling autos. If that's the case, you'll almost certainly require road risk insurance to protect the automobiles you're dealing with. This allows you to operate any vehicles in your possession in the course of your motor trade business.

If you wish to enable individuals even with convictions to test drive your autos or other vehicles while you are with them, you may add "accompanied demonstrations" cover to your road risk policy.
Those of you who do not work from home and own your own business premises – whether it's a lock-up garage, a small forecourt, or a service and repair station – should consider traders' combination protection, which covers leased or owned buildings as well as on-site vehicle stock.
Whether you work from home or on-premises, you should consider employers' liability and public liability insurance to protect yourself from claims of alleged injury from employees or members of the public. Don't forget to insure the tools and equipment you'll need for the project.

Do part-time motor traders need special insurance?

In addition to the basic motor commerce insurance coverages, you should think about including coverage and comparing prices for a business vehicle in your policy. We frequently discover that part-time merchants have another trade. Whether you're a builder, plumber, painter or decorator, we can arrange cover for this vehicle on request.
As your company expands, we can look into providing more insurance coverage to match your needs. Simply ask, and we'll walk you through your alternatives. As your company expands, we can look into providing more insurance coverage to match your needs. Simply ask, and we'll walk you through your alternatives.

What are the Key features of part-time motor trade policies?

There are two sorts of motor trade insurance coverage. There are two types of insurance: combination insurance and road risk insurance. Because many part-time traders do not operate from a fixed location, road risk insurance may be the best method to cover both the vehicles in use and those held as stock. There are three levels of policy available, like with other types of automobile insurance: third party, third party, fire and theft, and comprehensive. Get part time motor trade insurance with premises, then part timers can obtain motor trade combined insurance which includes coverage for tools, buildings, money, equipment, machinery, and business interruptions for a variety of reasons. Product and public liability insurance may be necessary as well.
A decent part-time motor trade insurance policy should be adaptable to match the wide range of activities that can be done in the industry. Policies typically include optional extras that allow the applicant's specific needs to be analysed and the policy adjusted to work for them. Depending on the type and scope of the business, these optional features may include material damage protection, multiple or single driver cover, spouse or business partner cover, additional business usage cover, and many other goods.

Part-time traders offer their customers a crucial service that is as professional and skilled as their full-time colleagues. As a result, insurers must understand this segment of the market and recognise the need for coverage that is as flexible and varied as possible while still working well for the businesses involved.

Considerations as a part-time motor trader

We understand that not everyone in the automotive industry works full-time. You may buy and sell a few automobiles or service vehicles in the evenings to supplement your income, or you could repair old cars and resell them for a profit. Whatever you do, be sure you're protected.
Have you considered?

  • Is it necessary to insure your customers' vehicles in order to road test them?
  • If a vehicle is destroyed or stolen, what happens to the money?
  • Is it possible to make a claim as a result of the work you have done?
  • What is the monetary value of tools and equipment if they are destroyed or stolen in a large city like Birmingham or London?
  • What savings could you make by adding coverage for your primary occupation to your motor trade insurance?

If you would like to get more part time information or receive a quote for your part-time motor trader business then don’t hesitate to get in touch with Traders Insurance today.