Motor
Traders Insurance
Rates in Force OCT 2009 UNTIL FURTHER
NOTICE
(Underwritten by MMA
Insurance)
This motor traders insurance is suitable for
full and part time traders whether working from
premises or not who want road risks insurance. Click
here for details of 'traders' that MMA do NOT want. If you do not buy/sell
vehicles and only need cover for your own car(s) please look
here.
| Full Time: |
Your SOLE income is derived from the
motor trade business, the subject of this quotation. |
| Part Time |
You are also in FULL TIME EMPLOYMENT
i.e. TAX/ NI is paid through the PAYE system. You do not
own/ operate another business or are SELF EMPLOYED outside
the motor trade. |
If you do NOT
qualify on the above definitions click here |
Please
check here for occupational restrictions |
MMA Policy key facts document | MMA Policy Document
If these apply to you then Click Here
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Business Type
NB these policies are for bona-fide traders only. Proof
of trading (full or part-time) may be required. |
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| Cover wanted (TPFT
NOT available in some areas) |
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| Please note that
'Comprehensive' cover under a motor trade policy is not as
extensive as under a private car policy - for example a
windscreen claim could be subject to the policy excess and affect
the bonus, personal effects cover and other sections are not
present and a claim might result in the loss of all the no claims
bonus discount. |
| Do you understand that
motor trade cover may not provide the same benefits as a private
car insurance policy? |
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| Maximum single
vehicle value. Please note we assume you want the same value for your vehicles and your
customers. If you want a lower sum insured on your own vehicles the MMA premium will
be cheaper e.g. £7.5 K on yours: £30K on customers is 12.5% cheaper than £30K on
both.
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If you want cover in excess of £30,000 (Trade price) CLICK
HERE |
| Do you want
demonstration cover? |
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| Does your
trade involve vehicle recovery |
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Select
Exact postcode where the business is operated from
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| No claims Bonus
available (must be in your name): NB - if you have NO no claims bonus,
a discount is available if you can prove 2 years claim free driving on your spouse or
employer's insurance. (select 2nd option) |
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| If you
have a private car or light commercial vehicle policy you may either transfer the
bonus (and vehicle) onto this policy or obtain an
introductory bonus Please note
that the cover on a motor traders road risks policy
is different from a private car policy and is usually
much inferior. - windscreen and theft claims are subject to the
higher excess. |
Driver
Details
NB : Limit (full time
M/T) is 4 drivers for business use and 6 in total.
Limit (Part time) is 2 people for M/T and 1 spouse/partner
Convictions not shown are unacceptable All drivers must hold a full UK license
for at least 2 year and be UK residents for 3 years
Part time employees will only have motor trade use i.e. SD&P
use will be excluded
If
you cannot meet these requirements CLICK
HERE
If
any conviction resulted in a disqualification - please refer to us
(quotes available)
ALL INCIDENTS IN THE LAST 3 YEARS MUST BE DECLARED WHETHER A
CLAIM WAS MADE OR NOT |
If
you have convictions which are not listed then CLICK
HERE
If drivers have more than 1 SP conviction please use the
first conviction box for one of them. |
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Vehicle Details
The policy covers any vehicle defined
below: (excluding steam driven & vehicles transporters capable
of carrying more than two vehicle)
1) The Property of the INSURED or
2) The property of the spouse of the INSURED if he/she is named as
a driver under this policy.
3) held in trust by or in the custody or control of the INSURED
for Motor Trade Purposes
4) Leased to the INSURED on a lease agreement with a minimum
initial duration of 12 months
Please note that if the policy is in the name
of a company then directors' and their spouse's vehicles would NOT
be covered for pleasure use. Vehicles owned by additional drivers
or hired/leased for less than 12 months would NOT be covered for
pleasure use. The policy does not cover driving other vehicles for
pleasure. The policy does NOT cover caravanettes/ bikes/ quad
bikes/ trikes for pleasure. (It covers bikes/trikes/quad bikes
used for business purposes for TPO. It does not cover for social,
domestic or pleasure: American vehicles (unless manufactured for
use in the UK market), multi-seat (8+) vehicles, vehicles
manufactured prior to 1 Jan 1980, modified vehicles to improve
performance or fibreglass vehicles.
The policy is to provide cover for Motor
Traders to carry out their business (mainly buying and selling
vehicles). Insurers may decline risks where the main use is to
insure personal (especially high performance) vehicles - they may
ask that such vehicle be insured separately - we are only too
pleased to provide quotes for high performance, classic, kit cars
on request. (If you are in the motor trade but don't buy/sell
vehicles then look
here)
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Convictions (5 years)
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Incidents in last 3 years
(whether reported or not)
(inc Windscreen)
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Proposer
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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Driver 2 :
(Not Spouse)
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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Driver 3 :
(Not Spouse)
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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Driver 4 :
(Not Spouse)
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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Definition of SPOUSE for MMA
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The
Spouse must be legally married or a long standing common law
spouse/ partner to The Proprietor, Director, or Business Partner
of the business concerned i.e. spouses of employees cannot be
covered AND
- The couple (of the opposite sex - any
complaints will be referred to the insurance company) must
live as partners at the same address and have done so FOR AT
LEAST ONE YEAR.
- Where the relationship is other than
legally married BOTH the proposer and partner must be aged 25
or over.
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Spouse 1:
Use :
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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Spouse 2:
Use
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| Non Fault Including Windscreen |
| Fault (inc Fires / partials) |
| Attempted Theft (vehicle not stolen) |
| Vehicle Stolen |
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(Underwriting
notes and cover will appear on results page)
The Motor Insurance
Database (MID)
Motor Traders
are required by law to supply the following information to the MID
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Any vehicle
that is owned by the trader
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Any vehicle
purchased for resale and kept for more than 14 days
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Any other
vehicle kept in their custody or control for more than 14 days
The exceptions
are vehicles registered with DVLA under SORN, or vehicles driven
on trade plates
Failure to
comply with the above may lead to prosecution and a fine not
exceeding £5,000
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