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What is Combined Motor Trade Insurance?
Combined traders insurance is any motor trade policy that starts to involve cover for more than just your profession or the cars you buy and sell.
Typically, if you are looking to cover things such as your tools, your premises (assuming it is owned by you) or have cover such as public liability, then a combined policy is what you will be looking at. It is a blanket coverage that will cover everything under one cover note (including staff and stock of cars if you wish).
Are combined traders policies more expensive?
Yes, as a combined policy covers more than a road risk only policy, they do typically carry a bigger price tag. Having said that, they are not always as expensive as you think and the additional piece of mind may be worth the small additional cost.
How to save money on a Combined Motor Trade Policy
If you are looking for a cheap combined motor trade insurance policy, there are some elements to take a look at.
Driver age based savings
Having drivers on your policy that are under the age of 25 will cause your policy to go up considerably. A good practice is to really assess those under 25 and if they need to drive the vehicles. If it is unlikely they will need to drive the vehicles, then it is best not to put them on the policy as drivers.
Indemnity based savings
Take a good look at the level of indemnity that you actually require. A huge part of combined traders insurance is the indemnity aspect and over insuring is quite common when actually, you can often roll your indemnity level back. Please note though, it is important to not under insure, always make sure you have enough cover.
No claims based savings
One of the best ways to drive down any insurance cost is to work on maintaining a good no claims bonus. By showing you can trade without mistake or claim shows that you are a responsible trader.
More on Combined Cover
If you are a motor trader that owns a business premises, a combined motor traders insurance policy should ensure that you are covered for all possible outcomes, and enable you to work with total peace of mind. Whilst regular policies may appear cheaper at first glance, it is crucial that you make sure you have the correct combined insurance policy to suit your needs.
Combined insurance policies wrap all different aspects of business insurance into one effective and efficient package to keep things as simple and manageable as possible.
What is included in a combined motor trade policy?
Road risk policies cover you for driving vehicles that are not your own, such as picking up or delivering customers vehicles.
Your premises covered
As well as cover for driving vehicles that are not owned by you, a combined policy will also make sure that your trading premises is covered in the event of any accidents or damages that may occur.
Combined policies also tie in employer’s liability, which applies if you have any staff employed within your business.
However well prepared you are, sometimes there is no prevention to an accident. Accidents can cause complete financial devastation if left uncovered. Combined policies contain public liability insurance, which means that your insurance will pay out if a customer or member of the public is injured, or if their property is damaged because of your business.
What else can combined policies include?
- Professional indemnity
- Material damage for buildings, contents and vehicles
- Interruption to your business
- Employers’ liability
- Public liability
- Engineering inspection
- Cover for goods in transit
- Road risk cover
How we can help
Whilst you might know that you need a combined motor trading policy to get yourself up and running, we understand that the whole insurance process can often prove to be a huge hassle, and can sometimes be overwhelming.
With years of refinement, broker management and building an incredibly knowledgeable customer care team, Total have refined their comparison process to just 3 simple steps, to make sure that you get the best price possible whilst ensuring you are covered for everything you require to run a successful business enterprise.
In just 3 simple steps you could be on your way to saving up to 45% on your renewal price:
- Give us a call, or fill out our quotation form
- One of our professional customer care team advisors will get in contact with you in a matter of minutes
- Based on your specific details, we will track down the most competitive brokers for you – saving you both time and money!
It couldn’t be easier!
Here at Total, we make sure that we use only industry leading brokers that have access to the most competitive policies on the market.
We have been sure to create strong bonds with our board of insurers and brokers, which means that we have access to short-que call lines – get your quote within minutes!
Our staff are experienced and knowledgeable, and place customer care at the forefront of their endeavours, we strive to help you get the best out of your policy at the cheapest prices.
We are the comparison service that is all about YOU
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The process to finding a competitive policy was quick and easy.
Staff took the time to listen to what I needed and matched me with the right people, shall use again next year!
Advisors were knowledgable and professional. Nor did I get hounded with phone calls either.