- Full- and part-time motor traders insurance available
- Policies available for traders with premises or working from home
- Cover for vehicles up to 7.5 tonnes
- Easy Motor Insurance Database (MID) access with no charge to add/remove vehicles
- Innovative smartphone app for handling MID updates on the go
We can even include motorcycles on a motor trade insurance policy, alongside other commercial and specialist vehicles
As a Staveley Head Motor Trade Insurance policyholder, you can register for access to EasyMID, our online MID update portal. The portal will allow you to maintain your vehicle records quickly and easily.
Want an even easier MID update tool?
Now you can add and remove vehicles from the MID with the UK's first fully functional app, available for both iPhone and Android.
Your insurance questions answered
Do I need Motor Trade Insurance?
You will need a Motor Trade Road Risks policy if you have customer’s vehicles in your care, control or custody for the purpose of your business.
For those involved in vehicle sales the cover is required for collecting, delivering and demonstrating vehicles.
Do I qualify for a Motor Trade Insurance policy?
If you can prove that you are operating a genuine, income generating business you may qualify for motor trade insurance. Some restrictions to this are outlined below:
- The business must be domiciled and trading only in the UK.
- The business must generate an income with a minimum of 6 sales/contracts per year.
- Vehicles are limited to private cars and commercial vehicles that can be driven with a standard driving licence only.
- Drivers must be aged between 25 and 69.
- All drivers must have been permanently resident in the UK for 5 consecutive years immediately prior to inception.
- All drivers must have held a full UK driving licence for at least 2 consecutive years immediately prior to inception.
- A maximum of 4 named drivers, including the policyholder, is allowed.
I need to drive several vehicles - is a motor trade policy what I need?
Motor trade insurance is not a means to get cover on multiple vehicles. To qualify for a motor trade policy you must be able to prove that you are operating a genuine, income generating business, whether that's buying and selling used cars or performing a mobile repair service, for example. To discuss further, please call our office on 0333 370 7777. In the event that you need to claim under your policy, you will be expected to provide evidence of this in the form of audited accounts and receipts.
Do I need to tell you each time I acquire a vehicle?
Current legislation means that you need to keep the Motor Insurers' Database up to date with regard to vehicles you own, or are likely to be in your custody for a certain length of time. Our motor trade insurance team will be able to help you in this respect, and we do have a range of publications available to provide more help regarding the MID and your responsibilities.
What is the Motor Insurers’ Database (MID)?
The Motor Insurance Database (MID) is a register of all vehicles insured and the identity of the relevant insurer. It is a legal requirement for motor trade policyholders to supply accurate and timely updates to the MID or face fines of up to £5,000.
Can I add vehicles to the MID by text message (SMS)?
No, but you can make MID changes using our smartphone app or through our online MID update portal easymid.co.uk
I'm a Part-Time Trader; Can I Still Get Motor Trade Insurance?
Yes, we provide motor trade insurance for both full-time and part-time motor traders.
Will I be covered to drive any vehicle?
No, you are covered to drive any vehicle either owned by or registered to yourself or any vehicle that is in your care custody or control for the purpose of the motor trade.
Can I cover motorcycles under a motor trade policy?
Yes, we do provide third party maximum cover for motorcycles under motor trade. To arrange this please call us 0800 023 7210
Does my Motor Trade policy come with Public Liability Insurance?
No, but this can be purchased as an optional extra. Take a look at our Public Liability Insurance.
Do you provide cover for younger drivers?
We offer a range of motor trade insurance solutions but we do not provide cover for drivers under 25.
We're not the kind of people to try and pull the wool over our customer's eyes. So, we use Feefo, an entirely independent third party company, to collect feedback on every policy we sell.
Below you will see a selection of those customer reviews, both good and bad, for our motor trade insurance policies.
We value your feedback and will always act upon it. If you'd like to make a suggestion as to how we could improve our products or customer service please use our contact us form or you can get in touch via facebook, twitter or G+
91% of customers liked our service (42 reviews)
28 Apr 2016
Excellent service with very competitive prices
25 Apr 2016
Fantastic help, special mention to Matthew and Rob. Superb service.
24 Apr 2016
22 Apr 2016
25 Mar 2016
They listened to what I required
24 Mar 2016
13 Feb 2016
They can take a long time (up to a week) to reply to emails.
12 Feb 2016
01 Feb 2016
29 Jan 2016
Good. I like easymid app, easy to use.
21 Jan 2016
21 Jan 2016
Great insurance cover,insurance at its best,many thanks.
20 Jan 2016
15 Jan 2016
15 Jan 2016
Reasonably priced and good cover