Motor Trade Insurance - for full and part time motor traders with and without premises

BIBA (British Insurance Brokers Association) web-site

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

Business Type NB these policies are for bona-fide traders only. Proof
of trading (full or part-time) may be required.

Cover wanted (TPFT NOT available in some areas)

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?

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.

If you want cover in excess of £30,000 (Trade price) CLICK HERE

Do you want demonstration cover?

Does your trade involve vehicle recovery

Select Exact postcode where the business is operated from

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)

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.

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)

Convictions (5 years)

Incidents in last 3 years (whether reported or not)
(inc Windscreen)

Proposer

Non Fault Including Windscreen

Fault (inc Fires / partials)

Attempted Theft (vehicle not stolen)

Vehicle Stolen

Driver 2 :

(Not Spouse)

Non Fault Including Windscreen

Fault (inc Fires / partials)

Attempted Theft (vehicle not stolen)

Vehicle Stolen

Driver 3 :

(Not Spouse)

Non Fault Including Windscreen

Fault (inc Fires / partials)

Attempted Theft (vehicle not stolen)

Vehicle Stolen

Driver 4 :

(Not Spouse)

Non Fault Including Windscreen

Fault (inc Fires / partials)

Attempted Theft (vehicle not stolen)

Vehicle Stolen

Definition of SPOUSE for MMA

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.

Spouse 1:
Use :