If you work in the motor trade business such as buying and selling cars or repairing vehicles then motor trade policy could be especially suited to your needs. A motor traders insurance provides protection to the business or an individual trader against claims arising against their motor trade business. Whether you are a part-time one man buying and selling cars or a garage employing many employees a motor trade policy is an important and integral part of running your business successfully. Because no two businesses are alike most motor trade policies are flexible to the individuals requirements. Obliviously as no trade policy is the same the cost of these policies vary according to the circumstance of each case. A cheap motor trade insurance policy is possible for a part time motor trader operating from home buying and selling general cars. However if you operate a large garage and employ 30 staff you cannot expect to pay the same premium as the one person buying and selling motor vehicles.

Generally there are three options available to the motor trade industry for their insurance needs.

• Motor Trade Insurance Road Risks
• Motor Traders Combined Policy
• Liability Insurance (Public and Employers)

Motor Trade Insurance – This is primarily a vehicle policy and you have the option of either a comprehensive, third party fire & theft and third party only cover. Cover is normally for motor trade use and for social domestic pleasure use for own vehicles. The motor trade road risk insurance policy is required by law if you will be driving vehicles on a public highway after purchasing a vehicle to be sold. The type of purchasers for this policy include mobile mechanics, repairs and vehicle buyers and sellers.

Motor Traders Combined Policy – This policy is for garages and motor traders with premises. The cover can provide insurance for buildings, trade fixtures and fittings, contents, customers vehicles, own vehicles and liability insurance. This is a highly specialist type of policy ensure your insurance advisor is a specialist in this field.

Liability Insurance – Provides cover for public liability and employers liability for motor traders. Various levels of cover are available with the Public Liability sum insured starting from £1m.

Active Insurance are providers of low cost motor trade insurance policies for all types of traders including motor traders insurance for traders with and without premises.