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An Introduction to Motor Trade Insurance With Convictions

What happens if you have a criminal conviction and you’re looking for motor trade insurance? 

In the UK, it’s surprisingly easy to end up with some sort of criminal conviction against you. You may be caught speeding, or you may have been hit with a drink driving penalty. Regardless of the severity of your convictions, you’ve paid your dues and tried to make amends for your mistakes. 

Unfortunately, this impacts your ability to find affordable motor trade insurance. In some cases, you will be denied insurance altogether, stopping you from working in the motor trade. In other cases, your insurance premium is outrageously high. As such, you can still work, but you end up paying far too much for insurance. It’s incredibly frustrating, especially if you have a conviction from one mistake. 

Cheap Traders Insurance With Convictions

We all like a drink but insurers do not like to see DR10s on a young persons licence.

Read More: Cheap Traders Insurance With Convictions

With that in mind, here are some simple steps to follow if you have criminal convictions:

Declare your convictions

When looking for motor trade insurance, you may have to declare your convictions to the broker. It depends on if they have been ‘spent’ or not. A spent conviction is usually not that serious and goes away after a certain amount of time. If this time has passed - and you should be aware of this - then the conviction doesn’t need to be declared. If a motor trade insurance provider has used a spent claim to hike up your premium, then they’ve done so against the law! 

However, all other convictions will need to be declared. If you look here, you can see a full list of all the different codes for the convictions. You will need to know the codes when you make your declaration. It’s important you do this to provide the most accurate results when searching for motor trade insurance. Otherwise, you can be lured in by a great offer, only to find that it’s far more costly when the insurer realizes you have convictions. 

Taking affirmative action

This means you take steps to improve your situation. In essence, you want to show insurers that your convictions are in the past, and that they don’t apply to you anymore. At Evans & Lewis, we understand all cases are different. This is why we hand out motor trade insurance based on individual merit, not an overall view of convictions. 

Here are a few things you can do to take action and lower your insurance premium:

Attend a speed awareness course if you were convicted of speeding

Take extra driving lessons or go on additional driving courses to become a safer driver

Follow any court-orders you’ve been given as a result of your conviction

Furthermore, it helps if you have a positive track record in recent history. If your conviction was a few years ago, and you haven’t had any other issues since, then this counts in your favour. Similarly, if you had a clean record both before and after the incident, it shows that it was more of a lapse in judgement than anything else. 

If you are a convicted driver that needs motor trade insurance, feel free to contact us today. We can discuss your situation and provide further advice on how you can make things more affordable. 


Car insurance for convicted drivers with DR10 s and  TT99 etc   from  £995 total
No deposit with payments over 12 months

Please Call: 0161 5434552

Things can often be a learning curve and in getting things wrong the first time we learn and get them right second time around. This can lead to complications in getting motor trade insurance with convictions on your driving licence or any other non motoring related issues.

It may well be that you are in the motor trade and have made a few errors and learnt from the experience. You may well have a DR10 (drink driving) or a CU80 (driving whilst on a mobile phone) and this has led to you being refused motor trade insurance from several companies.

We believe that your history should not govern your current insurance premium and that your history is not a defined reason for you to make a claim either now or in the future. We believe every case should be judged on its merits on an individiaul basis. We are not a call centre and thus we do get to know our clients. Every client has an unique Account Handler who will deal with all situations along the way and be there as one point of contact for your cheap motor insurance

When you are searching the market for insurance alway provide all the information about any convictions showing on your licence, the insurer will check and in the event of a claim this non disclosure may render your policy null and void.

Competitive, Straightforward & Hassle Free.
  • It is of paramount importance that these simple steps are followed in order to get your motor trade insurance with convictions in place from the start.
  • Wide ranging cover written specifically for your needs.
  • One common renewal date with low desposit options and monthly installment payment plans meaning less administration and less stress.


Motor Insurance for Drivers with Motoring Convictions

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A Guide to Getting Motor Insurance for Drivers with Motoring Convictions

Cheap Traders Insurance With Convictions

Get a Quick Quote Please Call: 0161 5434552


Motor Trade Insurance Policies from £499
ZERO DEPOSIT with low rate finance available

Motor Insurance for your business!

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Motor Trade Insurance Services

Motor Trade Insurance

Motor Trade Insurance

Finding the right cheap motor trade insurance policy can take considerable effort but we can help part time and full time car sellers and combine the best deal and the right support, first time every time. We offer free quotes for discount  motor traders insurance online with no deposit,
and have some providers that can include under 25s. How are you going to locate the most practical answer and advice in the shortest period and talk to an expert? Why should you settle for a high price when there are good traders insurance deals around. Can you find a better solution and see what is new  ventures get in the trade market?

Accessing the correct experience and knowledge is very important and we invite you to see what solutions we can offer. Time and time again we help motortraders save money and save time and get happy customers recommending us to others.
So that you can get on running your car trade business in a successful way. What better way than speaking to us for the cheapest traders cover in the sector. We can combine a trade policy and include staff and buildings cover in one. We also  enable you to have any driver included within all facets of the policy.

What car traders say about us is truly amazing as the saving can be so large . In conclusion we aim to assist motortrade business owners seek and find the most suitable and honest deal that they really need and can back this up with excellent customer service.

What about new ventures and new set up I may here you say, well these can all be covered to and we have considerable expertise to zoning in on the correct cover and we are pioneers of helping operations getting going and including additional business use with the car sellers policy.  (Motor Trade Insurance)

To obtain a low cost quote please call 0161 5434552

Road Risk Insurance

Road Risk Insurance

Evans & Lewis Insurance specialise in providing Road Risk Insurance for Motor Trade business’ and business’ that sell vehicles.  In recent times there has been a contraction in the Insurance market within this sector.  There are now fewer Insurers to provide these types of policies.  We  have an experienced team providing competitive quotes for Road Risk and also provide cheap combined Motor Trade Insurance.  We offer a range of payment options that can assist individuals to spread their payments over a variety of terms.

So whether you are looking for a Road Risk policy or Motor Trade Insurance with premises cover, it is extremely important to talk to a specialist in the Market like Evans & Lewis.  It will take a short time to go through your insurance requirements and we provide quotes for Motor Trade Insurance combined with Buildings and also Employers Liability and Public Liability. 

We  can offer a range of different levels of cover.  From third party only, third party Fire & Theft or fully comprehensive.  We also provide excess options from £250 - £1000.  There are also specialist policies which cover vehicles in transit, vehicles left at business premises and it is also possible to protect your no claims bonus.  (Road Risk Insurance)

To get a competitive  Motor Trade Insurance Quote
Please call 0161 5434552

Combined Motor Trade Insurance

Combined Motor Trade Insurance

When running  a motor trade business is very important to have the correct insurance policy in place to cover  all eventualities that can arise during the year. If you are employing staff and own a premises then the best cover is a combined motor trade insurance policy that will enable to put all the facets of your company under one roof. The main constituents of the policy are the road risk, employers liability, the public liability and the buildings cover. It is also greatly under estimated the importance of cover that provides revenue for you in the event of fire or flood or any other circumstance that may occur to your business activities.

In order to obtain the best costing it can be advisable to increase the excess as this can assist in lowering the motor trade insurance quote. Once you have identified all the attributes that you require with the policy it is best to speak to several firms who have significant experience and a dynamic approach to the service. Always choose a broker who has a reputable claims handling line because this is in essence what you are paying for.   (Combined Motor Trade Insurance)

Telephone us now on 0161 5434552

Motor Fleet Insurance

Cheap Motor Trade Insurance

How To Get Cheap Motor Trade Insurance Premiums Through Knowledge Knowing how to get cheap motor trade insurance premiums for your motor trade business can require some brainstorming.

Most operatives in the motor trade are clued up business men in the middle of a daily vehicular business and the last person they wish to deal with is a broker who doesn't know their trade. You know the ins and outs and wish to deal with an insurer which is straight and shows common sense. Understanding the needs of the individual business, premises, vehicles, liabilities, indemnities and drivers to be insured.

Our clients offer advice about cars as a dealership or making essential body and engine repairs as a mechanical repairer whose coverage needs to be the right level to offer customers guarantees on the work carried out. There are also car park owners who are tasked with the safety and security of thousands of cars on a weekly basis, entrusting Evans and Lewis with their livelihoods and insurance coverage. A vast swathe operate in vehicle recovery as a breakdown service or offer garage repairs as mechanics. Their customers expect the highest level of service and so should you. (Cheap Motor Trade Insurance)

If you would like to arrange a quote for insurance
Please call us now on 0161 5434552

Under 25 Motor Insurance

Under 25 Motor Insurance

Motor trade insurance for the under 25’s has significantly contracted in recent years and there are now only 2 or 3 insurers in the market place who will cater for this type of risk.  Often enough the insurers will request a business plan that provide projecting financial forecasts.  If an individual is looking for a combined  motor trade insurance with premises, then again, a similar format would apply.  The insurers are increasingly wary of individuals who take out this type of policy but are not working within the motor trade.
We have an in depth and broad understanding of the motor trade insurance market and we have gained experience over the years to ensure we can deliver  low cost solutions to suit your business.  When starting off in the motor trade it is of paramount importance to contain all overheads that will enable the business to grow, rather than being lumbered with large costs.
The motor trade insurance that we provide is for vehicle sales, servicing and repair, windscreen fitters, valeters and tyre fitters.  So whatever trade you work in within the motor trade sector, we are confident of finding you the best insurance deal.  As we have worked with our insurers for numerous years, we can negotiate on your behalf to find a motor trade insurance with buildings  solution that is bespoke to each business.  

(Under 25 Motor Trade Insurance)

Please call 0161 5434552 or email info@evansandlewis.co.uk


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