Having the Correct Motor Trade Insurance For Your Business

Public Liability insurance cover is needed if anyone in the motor trade business invites a member of the public onto their premises. This includes business such as:

* Buying and selling of any type of motor vehicle from showrooms or forecourts.
* Garages and workshops which repair vehicles for payment or reward, including business who restore vintage vehicles.
* Driving any kind of vehicle on a public road, this includes motor trade businesses who run on trade plates.
*Breakers or scrap yards.

Basically anyone who operates a motor trade business and allows members of the public onto their premises, forecourt or any part of their land or property needs to ensure they have appropriate public liability cover included on their insurance policy.

Additionally if you have employees you will also need to Employer’s Liability cover as this is a legal requirement in the UK irrespective of how many employees you have.

A recent TV advertising campaign featuring Sir Allen Sugar shows a motor trade business which has an ‘apprentice’ learning one of the many motor trade professions, as such businesses who have apprentices working on government training schemes will also have to ensure they have appropriate cover before they can take advantage of these schemes. If you are unsure of the type of insurance apprentices need you can find out either from the training company delivering the training or from the Learning Skills Council.

Check with companies who specialise in motor trade insurance to ensure your business is meeting legal requirements and that you don’t get caught out if an employee or member of the public harms or injurers themselves whilst they are on your premises.