Motor Trade Combined Insurance

Motor Trade Combined insurance is a policy which can ensure the smooth running of garage businesses amidst unpredictable circumstances. It's not just about protection – it’s about peace of mind. The policy contains several types of other cover which are relevant to motor traders.

What is Motor Trade Combined insurance?

Motor Trade Combined insurance is a form of business insurance that offers protection to businesses that offer services such as vehicle repair, bodywork, painting, and other garage-associated services. It's a policy designed to safeguard your business from a variety of potential risks and losses.

The coverage primarily includes liability insurance that protects your business in case a customer's vehicle gets damaged under your care or an employee causes damage or injury while working. This aspect of the policy saves businesses from the financial burden of legal consequences.

Does Motor Trade Combined insurance cover contents?

The policy also can also provides coverage for business property, including the garage building itself, tools, equipment, and even the parts and vehicles stored on the premises. It ensures that in case of events like theft or damage due to fire or natural disasters, businesses can quickly recover their losses.

Motor Trade Combined insurance considerations

To get a quote for Motor Trade Combined insurance or to receive a quote for any of our other insurance products, you can get a quote through our website. If you would like to talk to one our insurance team, you can give us a call on 01384429900 to receive more information.

Motor Trade Combined insurance policies can include cover for:

• Negligence

• Public liability cover

• Professional indemnity insurance

• Employers’ liability

• Business insurance cover

• Buildings insurance

• Contents insurance

• Business interruption cover

How much does Motor Trade Combined insurance cost?

The cost of Motor Trade Combined insurance can vary considerably based on several factors. Just as with any insurance policy, there isn't a one-size-fits-all answer. The location of your business premises, the size of your business, and the types of vehicles you service can all impact the cost. For instance, a small garage in a rural area may pay less than a large dealership in a city.

Moreover, the coverage you choose directly influences the premium. Basic liability coverage may cost less, while comprehensive policies that protect against a wider array of risks will likely cost more. It's important to remember that while cost is a factor, ensuring you have adequate coverage for your business should be the priority.

Having the right Motor Trade Combined insurance is essential to protect your business from unforeseen circumstances. So, invest time in understanding the different options and choose wisely. Remember, it's not just about cost, it's about getting the right protection for your business.

Does Motor Trade Combined insurance cover employee compensation?

Motor Trade Combined insurance may also cover workers' compensation, offering financial assistance if an employee gets injured while performing their job duties, in the form of Employers Liability.

What is Employers liability?

In the world of business, employers' liability is a significant issue that requires careful attention. It refers to the legal responsibility that employers bear for the health and safety of their employees while they are at work. This responsibility is not just a moral obligation; it's a legal one. Employers are required by law to provide a safe and healthy working environment for their workers.

But what does employers’ liability entail? From ensuring that the workplace is free from hazardous materials, to providing necessary safety training and equipment, to taking precautions to prevent accidents and harm. It means that if an employee gets hurt or sick because of their job, the employer could be held liable.

Employers' liability is not just about preventing physical harm though; it's also about protecting employees' rights. Employers can be held liable if they violate employment laws, such as those related to discrimination, harassment, or wrongful termination.

Does Motor Trade Combined insurance cover customer vehicles?

Motor Trade Combined insurance usually includes garage liability coverage, which helps protect against accidents happening in and around the garage, and garage keepers coverage, which covers damage to customers' vehicles while they are in your care.

If a customer’s vehicle gets damaged due to an accident, theft, vandalism, or even a natural disaster while it’s in your garage for repair or service, Motor Trade Combined insurance coverage can help cover the costs of repair or replacement.

However, it's important to note that the extent of coverage can vary greatly depending on your specific policy and insurer. Therefore, it's always recommended to read your policy thoroughly and discuss the specifics with your insurance provider to ensure you're adequately covered.

Get a quote today

It couldn’t be simpler to get a quote with us, simply call 01384 429900 now, or fill in the form below, and we’ll call you back.

*All features and benefits are subject to eligibility and underwriting criteria.