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Can You Drive An Uninsured Car On A Trader's Policy?

It is possible to drive an uninsured car on a motor trader's insurance policy, however that car would then be considered insured. Therefore the answer to whether you can at any time drive a car or other mode of transportation that is classed as uninsured just because you have a trader's policy would be incorrect. The key is in the detail and the jargon of the policy that you currently hold. If you have any questions or don't quite understand, always call your insurer's helpline.

Failure to do so could see you get into trouble with the law. What are these details? The particulars of any policy and an uninsured car that you wish to drive and take under your existing policy will probably fall within two sub paragraphs. The first being, did you notify the insurer about this vehicle's inclusion by either informing them directly or adding it to the Motor Insurance Database (MID) and the second the type of vehicle. Under tonnage, over tonnage, type, is it covered under your policy? Naturally one of the advantages of a Trader's policy is to be able to drive any vehicle for a client.

Fines, Vehicle Impounded, Destruction?

Driving without insurance is a serious offence in most countries around the world. In part because if there is an accident, someone has to pay and due to the inherent cost of high claims or even low claims, if the other party does not have appropriate insurance it has to be reclaimed from that person's finances and assets. Not everybody has the ability to pay a claim this way, hence the enforcement of motor trade insurance across the board. There is an oft told story from select motor traders that state they have been caught out by the ambiguity that is the ability to drive non taxed or uninsured vehicles temporarily or short term. However, there is no real confusion if you first check the insurance documents. Clauses which may exist are that in order to drive a vehicle or add it to your stock / fleet, it should be registered on the MID. On the odd occasion, if this is not done the vehicle is not considered insured.

If the vehicle belongs to someone else and they have insured the car but failed to transfer registration this could be a big problem as the previous owner may not have any insurance pertaining to that vehicle any longer. In which case, both forgetting to add a vehicle to MID and not checking registered owner before driving could leave you with a fine, the vehicle impounded and if not further proof resolves the situation, the vehicle could be destroyed or sold.

Can You Drive Any Uninsured Car On Any Trader's Policy?

There are several instances where you can have possession of an uninsured car but it would probably not be of much use to a trader as you would be unable to drive it. The allowances for having a vehicle uninsured is if they are considered as stock at a Dealership, have a valid Statutory Off Road Notification (SORN), has been off the public highways since February 1998 or it has been stolen, destroyed or exported. Neither of these instances would usually apply to a motor trader, albeit the awaiting arrival of your new fleet vehicle. To summarise, yes you can drive an uninsured vehicle that was uninsured prior to you driving the vehicle, which is now insured because your motor trade insurance policy details that it is. And that you have notified the insurer of the addition, and or updated the MID. Trade plates do not come from an insurer but you can get specialist trade plate insurance to cover the vehicles, they enable a trader to register many vehicles for interim usage while not paying taxes on each one of them.

Driving an uninsured vehicle without insurance held by yourself as a third party which covers that vehicle while insured by the owner, is against the law. Lastly and an important note, the vehicle you drive should be for the purpose of your motor trade business. Popping to Birmingham in your Dad's car to pick up Mum and take her back to London would cancel that out.



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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)

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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)

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8 Frequently Asked Motor Trade Questions

Where Do I Find a Traders Insurance Online Quote?

Who Does The Lowest Trade Insurance Cover Price?

What is a Car Road Risk Insurance Policy?

Who Has Discount Trade Insurance Offers?

Why Have A Car Traders Insurance Policy?

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