Selling cars comes with great responsibility. When you’re dealing with valuable assets and are bound to a duty of care to all those involved, car sales insurance is essential to protect your livelihood.
Without the right insurance in place, you may be personally and financially liable if something were to go wrong.
We can help you find the right cover at the right price by comparing quotes from some of the UK’s most trusted insurers. Our personable approach means we understand your business risks and recommend the right insurance that’s tailored to your business needs.
To get insurance for your car dealership business, give us a call today. We make arranging your motor trade insurance simple and hassle-free. If you need to find your existing terms, just request a call back and we’ll speak to you when you’re ready.
Car dealers are unique in their nature and require bespoke insurance to protect assets, liabilities and safeguard against unforeseen events that could expose your business to financial loss. Car dealer insurance is typically designed to offer you comprehensive cover to protect your business.
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Car dealer insurance usually refers to a range of specialist insurance covers to protect your car dealership against the unexpected. This could include specialist motors trade covers such as road risk insurance and demonstration of vehicle covers. As well as cover for non-motor risks, such as business buildings and contents cover, public liability and employers liability insurance.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance protects your business against accidental damage to third-party property or injury. If a customer tripped at your premises sustaining an injury, you may be liable to pay compensation awards. Including public liability cover within your car dealer insurance ensures you can work without worrying about these minor mishaps.
Employers’ liability insurance will safeguard your employees in the same respect. This cover is required by law if you have full or part-time staff and will protect you if your employees sustain an injury in the workplace. Having this included within your car dealer insurance will fulfil your legal requirement and protect your staff if they had an accident at work.
Car trader insurance can also be tailored to cover the vehicles or stock that you hold at your premises, as well as the buildings and forecourt. This is the heart of your business, and if something happened that caused damage to your stock, for example, a fire, this could impact your ability to trade. Ensuring you have adequate insurance in place to protect against these eventualities is critical to business continuity.
Having business interruption cover, as part of your car dealership insurance, can also aid business continuity, should the worst happen. This cover can protect your income, fixed expenses, like staff wages and could also help you trade temporarily from another location should you suffer damage at your premises from an insured event that leaves you unable to trade.
Commercial legal protection can be included in your car dealer insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes and cover you financially if you, your business partners or employees are summoned for jury service.
Your business will incorporate a number of activities that will require car traders insurance to cover all eventualities. As well as having a number of valuable assets to insure, liability insurance must be a key consideration to protect your clients and staff, as well as road risk insurance to protect you whilst driving vehicles on the road.
At Premierline, we offer flexible car dealer insurance policies that can protect non-motor risks at your car dealership. When deciding what insurance and covers you need to protect your shop, you should consider the following:
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Typically the more cover you require the higher the premium. The value you gain from having the right cover in place is a huge benefit to your business. A car dealer insurance policy is a product that you have paid for that you may never get to use, but also a product you hope that you will never need to call on.
We compare quotes from a panel of the UK’s leading motor trader insurers to source car dealer insurance that’s right for you. So to make your insurance arrangements simple and hassle-free, contact our advisors today for their professional recommendations tailored to you or request a call back.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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“Outstanding service from Gina who took the time to fully understand the changing needs of our business and worked tirelessly to get the right policy for us. Couldn’t have asked for anyone more professional and understanding.”
We understand the pressure of running your own business and how time-consuming it can be. That’s why we are committed to finding the right insurance for your shop at the right price and are here to support you for the duration of your car dealership insurance policy.
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