At Cleddau Insurance, we are one of the leading motor trade insurance brokers in Pembrokeshire and Carmarthenshire. Our knowledgeable team can work with you to find the best motor trade insurance at the most cost-effective price.
What is Motor Trade Insurance?
Motor trade insurance is a vital requirement for anyone in the motor trade industry. These include MOT centre, servicing and repair garages, body repair shops, new and used car sales businesses, valet parking services, mechanics and few others.
Having motor trade insurance allows your business and its staff to be covered when driving or working on your customers cars or cars you may own. Due to the variety of situations and risks, it’s important that you have a policy that is flexible. For example, allowing any member of your staff to drive the car you may be working on, instead of one member of staff.
What are the options?
These can generally be broken down to two key areas:
- Road Risk Insurance – If you need to drive vehicles you don’t own, suitable for businesses that sell or repair vehicles. The standard cover of comprehensive, third party only and third-party fire and theft.
- Combined Motor Trade Insurance – All the business insurance you need to cover in one package:
- Employers Liability – Protection against claims from your staff.
- Public Liability – Covers you and your staff against any claims made by customers or members of the public
- Product Liability – Protection of new parts being fitted to a customer’s vehicle which turns out to be faulty.
- Premises Cover – Cover the building you work from
- Business Interruption cover – A situation where the business had to close due to a particular circumstance, for example flooding, as a result of losing money that would have been earned during that period
- Material Damage cover – Any damages to equipment you own, such as tools, car stock, etc.
Want a quote?
At Cleddau Insurance, we have many years’ experience with Motor Trade businesses in Pembrokeshire and Carmarthenshire. With access to a wide range of specialist insurers, we are able to offer a competitive and flexible range of insurance policies that can be unique to your business.
Get in touch today and let us do the hard work for you.