Motor Trade Insurance

Keeping your motor trades business running smoothly needn't be hard work.

Using a panel of insurers Keystone make Motor Trade Insurance simple!

Our priority is to make protecting your business simple, allowing you to choose the cover options that suit you, without having to pay for anything that doesn't.

Claiming is fast and easy, and our Business Insurance Specialists are always on hand to answer your questions. You can even pay monthly to help your cash flow.

Why wait? Call us today on 042-9393993 or request a business insurance quote online by using our 'Contact Box'

What kind of motor trades do we cover?

We've designed special business insurance packages that meet the needs of just about all motor trade businesses, including:

• Mechanics
• Panel beaters
• Car Sales
• Mobile mechanics
• Auto electricians
• Car detailers
• Motor Vehicle Dealers
• Tyre Retailers
• Recovery
• Valaters
• Motor Vehicle Windscreen Tinting
• Motor Vehicle Parts/ Accessory Retailing
• Part Time Motor Traders
• Other Motor Trade Activities

Call us on 042-9393993 to see how we can help your business.

Recommended cover options for motor trades

We've been insuring motor trades for years. So we've got lots of experience helping you choose business insurance options that cover the typical day-to-day risks that motor trade business owners face every day. We will assess your business and help you choose the cover options that suit your needs. Some of these cover options include:

Motor Traders Road Insurance

The major difference between a private motor policy and a motor trade policy is that a private policy specifies the vehicle and the driver.

A motor trade policy specifies the driver only, not the vehicle, so you can drive any vehicle for motor trade purposes - and you don't have to take out separate policies for each vehicle.

A motor trade policy is a "blanket" policy that covers a motor trader to drive any vehicle "under his custody or control for motor trade purposes." This is vital when a motor trader has several vehicles in his care - customers' vehicles, demonstration use (including testing of customers' vehicles and demonstration of vehicles for sale), stock vehicles for sale (including those either on a forecourt or standing on the highway) and the motor trader's own vehicles.

The main question is to what extent do you want to protect your and your customers' vehicles?

• Third Party Only (TPO) insurance is the minimum legal requirement for vehicles to be driven on public roads. TPO insurance will only cover loss, damage or injury inflicted on a third party. If you have Third Party Only insurance, your own losses, damage or injury (apart from passengers) will not be covered.
  
  
• Third Party Fire and Theft (TPFT) is a step-up from Third Party Only. TPFT pays out in the event of loss or damage to vehicles under the motor trader's custody or control in the event of theft or fire, as well as to third party damage or injury claims. This is particularly relevant if vehicles are stolen and "torched".
  
  
• Comprehensive (Comp) A Comprehensive policy includes the same cover as TPO & TPFT plus accidental damage to the vehicles that the trader owns or has care of. So if a customer's vehicle is damaged in an accident while being tested, Comprehensive cover will cover the cost of the repairs.
  
  

Motor Traders Public Liability Insurance

This covers you if someone sues you for personal injury or damage to their property that occurs in connection with your business. For example, you could be sued if someone is injured in your workshop.

Motor Traders Employers Liability Insurance

A Motor Traders insurance policy ensures that your employees are protected from death, injury or disease arising in the course of their employment.

Fire, Storm & Perils

You are covered for damage to your buildings, contents, customers' vehicles, machinery and stock in trade Etc.

Business interruption - you are covered for loss of profits if your business is disrupted by damage to your business property caused by specified events such as fire, flood etc

Personal accident and illness – this covers you for loss of income as a result of a defined accident or illness. We cover individuals which is useful for sole traders or partnerships that need both partners working.