Car Trader Insurance

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Vehicle Sales Insurance Comparison

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What is car trader insurance?

As the name suggests, car trader insurance is designed for any business that sells vehicles. Whether you sell cars from your home or you operate a showroom, you must have the right insurance in place should the unexpected happen.

There are two main types of vehicle sales insurance, namely road risk and combined cover.

Road risk cover enables you to drive any vehicles owned by the business or your customers’ vehicles when driving as part of the running of your business. Road risk cover is typically for smaller operations such as those operating from their own home or other smaller companies. It is also used by anyone requiring part-time motor trade insurance.

Combined cover includes road risk cover and several additional areas, for example, your buildings, tools & equipment.

How to find the right car trader insurance

Finding the right insurance is easy with Quote Goat. We save traders time and money by working with a panel of leading motor trade insurance providers, removing the guesswork of shopping around for quotes. Maximise your chances of finding the right cover at the right price when you compare vehicle sales insurance quotes by submitting your details to a panel of insurance providers.

No single car dealer operation is the same, and by submitting your details, you will be able to tailor your quotes & gain expert advice from specialist insurance brokers.

Tailored car sales insurance quotes

As well as the standard levels of cover, you can tailor your policy to cover other areas of your business including employer’s liability insurance and public liability insurance.

How can you save money on insurance for car traders?

Compare: our number one tip for keeping your insurance costs down is that loyalty often doesn’t pay. Many businesses in the UK renew the same policy, year after year, not knowing that they could make significant savings by taking the time to compare quotes from multiple vehicle sales insurance providers and making the switch. The benefit of using a comparison site is that having access to numerous insurance providers improves your chances of finding cover if you are in a harder to insure category, e.g. start-up motor traders insurance.

Employees: the cost of your policy will, in part, be affected by who needs to be insured. When it comes to employees, it will cost more to add a new member of the team who has a less than perfect driving record, e.g. previous convictions.

Don’t over-insure: one of the benefits of speaking with a motor trade insurance specialist, is that they can advise you on the levels of cover you need and tailor a policy accordingly.

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Car Trader’s Insurance FAQs

One of the benefits of getting a quote over the phone is that you will speak to one or more insurance providers who are best-placed to answer any questions you may have and provide advice. We have also included a number of commonly aske questions here.

Is part-time cover available?

Yes. If you sell vehicles on a part-time basis, you can benefit from a part-time insurance policy which will often be cheaper than a full-time one.

Can the sale of other vehicles be covered?

Yes. Please discuss the types of vehicles you will be selling with the insurance provider, they will be able to advise accordingly.

Is experienced required?

Some insurance providers will only provide quotes for car traders with experience, however, if you are a start-up business, you can still be given quotes from certain panel members.

Do car traders working from home require insurance?

It is highly likely that you will still require certain covers if you run your business from home, e.g. road risks insurance if you will be driving vehicles. Make sure you have the right protection by discussing your situation with an experienced insurance provider.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.