Motor trade insurance simply covers any activities undertaken by people and businesses working in the trade. These activities could include service and repair work, vehicle sales, restoration, or transportation. Any activity involving making a profit in the motor trade requires traders’ insurance.
Can I drive any car with motor trade insurance?
If a potential buyer takes a car for a test drive, they need to be insured in case an accident happens. Your motor trade insurance policy can cover this. Drive all types of car covered by your policy. Instead of being restricted to driving a particular make and model, you can drive all cars permitted under your policy.
Do I need motor trade insurance?
Buying and selling cars for profit
Even if you only sell a few cars each year to make a profit, you need a traders’ insurance policy to stay road legal. That’s because running a motor trade business requires the vehicles in your possession to be insured.
Can a motor trader drive a car without insurance?
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.
What is a motor traders insurance policy? – Related Questions
Can I drive an uninsured car on trade plates?
Trade plates cannot be used on unroadworthy vehicles. All vehicles must be covered by insurance and have a valid MoT in place, unless they are exempt from MoT requirements.
Can I drive a Traders car?
You can’t just drive your friend’s car
If you’re not a named driver on that policy and their car isn’t included in your motor trade cover, then no, you can’t drive it. If they’re a customer of yours and their car needs to be driven by you as part of your business, then your motor trade policy should cover this.
Can car salesman drive any car?
You Can’t Drive Any Car You Like on a Motor Trade Policy!
If you cause damage to the car or a third party whilst driving a client’s car not for motor trade reasons, you could see that claim rejected and you may even see your policy cancelled.
Can I drive someone else’s car?
driving other cars insurance. Every once in a while you may need to drive someone else’s car. It might be an emergency or you may have permission from the car owner, but that doesn’t mean it’s legal. Unless you’re a ‘named driver’ on their car insurance, you almost certainly won’t be insured.
What insurance allows you to drive other people’s cars?
Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars. It’s not automatically included on every comprehensive policy – so check first.
What happens if someone drives my car without insurance?
If there is no valid insurance in place for such use, the vehicle is liable to be seized and the driver prosecuted.
Can I drive my parents car without insurance?
Can I drive my parents’ car without insurance? No, you’ll need at least third party car insurance if you want to drive your parents’ car.
Can my friend drive my car?
Can I get insurance for anyone to drive my car? An ‘any driver’ insurance policy allows anyone to drive your car at any time. There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it.
Can I drive someone else’s car if I’m fully comp?
No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
Is fronting illegal?
So it’s understandable that a parent or carer might want to insure a car in their name when they’re not the main driver, to help ease the financial burden a bit. But this is known as car insurance fronting. It’s a type of car insurance fraud, it’s illegal and could land you with a criminal record.
How do insurers find out about fronting?
How do insurance companies prove car insurance fronting? Insurance companies use a range of techniques and motor insurance databases for detecting this kind of fraud when you buy a policy and begin driving. If they don’t find out at the time of purchase, it usually comes up when making a claim.
Can I be main driver on 2 policies?
You can be the main driver of more than one car. But insurance companies will often question it to check for fronting.
How do they find out about fronting?
Fronting will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider may launch an investigation. Should the insurer conclude that fronting has occurred, it may refuse to pay for any damage.
How do insurance companies know who the main driver is?
The most straightforward way to determine the main driver of a car is to ask yourself who drives it the most. That person should be identified as the main driver on any insurance policy. If, for example, you drive to and from work every day in the car, then you are considered the main driver.
What are the consequences of fronting?
The consequences of fronting
To put it simply, fronting invalidates your insurance policy, meaning your insurer may not pay a claim if you’re caught doing it.
What insurance details can police see?
Police can easily tell if a vehicle is insured using Automatic Number Plate Recognition (ANPR) cameras that instantaneously read number plates and check them against the database of insured vehicles at the Motor Insurance Database (MID).