independent insurance broker
motor trade insurance
Our Motor Trade department is able to provide insurance solutions and risk management advice to a variety of groups engaged in the motor trade ranging from individuals working from home to multi site dealerships.
We represent all the leading insurers and have the ability to offer specially negotiated premiums. We have a number of unique solutions for solving the risk concerns within the motor trade. We will ensure your MID disclosure obligations are met.
Our ethos is to provide the highest level of customer care whether arranging a policy or dealing with a claim. Our expertise enables us to discuss and advice on your insurance demands and needs and satisfy them with the appropriate policy.
Some of the key policy sections are described adjacent.
Material Damage "All Risks" - this covers accidental loss or damage to the insured property at your premises, including stock in transit and glass breakage.
Read more >>>
Listed below are some of the key features and benefits of the Material Damage section that are standard in the insurance policies we recommend:
- Temporarily removal of tools, plant, machinery and other contents from your premises
- Automatic reinstatement of sum insured following a loss
- The fees incurred by professional persons, such as architects and surveyors when reinstating buildings, machinery and plant
- Loss of frozen food following a breakdown of refrigeration units
Money & Assault - this covers the loss of your businesses money either on your premises, in transit, at the private homes of key staff and in a bank night safe.
Read more >>>
This cover is extended as standard to include insurance against bodily injury to you and your employees, as a result of assault and even attempted assault, whilst carrying business monies.
An optional extension to the money and assault section is "wrongful conversion" - this cover provides insurance against the purchase of a vehicle from someone who is not the rightful owner.
An optional extension to the money and assault section is "wrongful conversion" - this cover provides insurance against the purchase of a vehicle from someone who is not the rightful owner.
Business Interruption - this covers your company against reduced earnings and increased running costs following an event in the All Risks section.
Read more >>>
The policies we recommend also offer, as standard, cover for loss of earnings due to restricted access to both your own premises and any supplier premises. Cover can be extended to include interruption due to accidental failure of public services, such as gas and water supplies.
Employers Liability - this indemnifies you against any legal liabilities for bodily injury to your employees, up to a limit of £10,000,000.
Read more >>>
Key features to this section of the policy include cover for legal costs in defending prosecutions under the health and safety legislation, unsatisfied court judgments in favour of the employee, and compensation for court attendance as a witness in connection with any claim under this section.
Public Liability - this covers against your legal liabilities for personal injury to third parties and loss or damage to their property.
Read more >>>
This also includes cover for obstruction, trespass, nuisance, interference, wrongful arrest and eviction in respect to said third parties. Our policies have high sums insured limits, such as £10,000,000 in respect to the injury section and £5,000,000 to the property damage section.
Listed below are some of the key features and benefits of the Public Liability section that are standard in the insurance policies we recommend:
Listed below are some of the key features and benefits of the Public Liability section that are standard in the insurance policies we recommend:
- Personal liability cover for you, and your staff, when overseas
- Up to £100,000 per claim legal liability in paying out compensation for sale of goods or services that are deemed not to be of "merchantable quality"
- Contractual liability cover in respect of Public Liability claims
- Legal costs in defending prosecutions under both the health and safety legislation and Part II of the Consumer Protection Act 1987.
Engineering - in addition to the statuary inspection cover we can provide cover for, loss or damage to boilers and pressure plants due to collapse or
Read more >>>
explosion, and loss or damage to electrical and mechanical machinery due to a breakdown. Cover can be extended to include protection against terrorism.
Road Risks - this covers loss or damage to vehicles you own, other vehicles in your custody and any vehicles used by subcontractors in relation to your business.
Read more >>>
As a standard, our policies offer protection against your legal liabilities for bodily injury and property damage caused by an insured vehicle, on an unlimited and £5,000,000 sums insured basis, respectively.
Listed below are some of the key features and benefits of the Road Risks section that are standard in the insurance policies we recommend:
Listed below are some of the key features and benefits of the Road Risks section that are standard in the insurance policies we recommend:
- Legal liability cover against loss of use of customers' vehicle and loss or damage to any contents held on or within the vehicle
- Unauthorised movement of vehicles obstructing the use of an insured vehicle
- Contractual liability and contingent motor liability cover
To find out more about how you could benefit from our expertise simply call 08450 264420, alternatively complete and send the contact form and an advisor will contact you.
