MOTOR TRADE INSURANCE

Our motor trade insurance polices are designed for businesses who wish to protect their equipment, liabilities and vehicles whilst at your premises or on the road

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  • Motor traders save an average of £230 when they switch to us*.
  • £2m public & products liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
  • Get a quote online or call now for a great deal.

Looking for motor trade insurance? We take care of business

Let Premierline Direct provide you with great cover, at a competitive price - motor trade insurance that gives you peace of mind.

  • Being in the motor trade can be tough, so you want to stay focused on what's most important - running your business.  Sorting out your motor trade insurance, whilst necessary, can be a chore.  That's why we at Premierline Direct make arranging your motor trade insurance quick and simple.  Our aim is to let you sleep easy in the knowledge that you have the right cover for your business needs at a great price

Our motor trade insurance policies are designed to meet the needs of the motor trader.  But we know that no two businesses are exactly the same, so it's only right that you pay solely for the insurance your business needs

  • Our standard motor traders insurance policy is designed to cover your assets and legal liabilities. It covers material damage to buildings and contents, motor vehicle road risks and public and products' liability. But you can also choose from a range of optional extras, including MOT loss of licence and business interruption cover. Whether you run a car showroom, or a repair workshop, we have a policy for you. And, remember, all our customers have access to our exclusive, 24/7 legal helpline.

Save money on your motor trade insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our customers some fantastic savings.  In fact our customers save an average of 25% when they switch to Premierline Direct.

Our policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers.

  • Over 30,000 businesses have chosen Premierline Direct for their business insurance. And the number is growing fast.  We cover everything from car dealers and car repairers to bodyshops and MOT centres.  If you are looking for a motor traders insurance policy Premierline Direct can help. Plus, our policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group, so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers

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We give our customers far more than just motor traders insurance

Because great service counts, you'll find Premierline Direct easy to deal with whether online, over the phone or even face-to-face - whatever suits you best.

  • Our customers have helped us to design and refine our website to meet their needs and expectations.  Like all good businesses, we recognise the importance of having great people.  Our highly trained team of UK-based business insurance experts are on hand to help provide a rapid response, motor trade insurance quote to you. There are no forms to fill in, and we will get your documentation to you quickly.  If your needs are complex, we may also be able to visit your premises to talk them through with you.

And if you need to claim, we're right there for you, ready to get your business back on the road. Fast!

  • We know how devastating an insurance claim can be.  So, if things go wrong and you need to claim, we'll act fast to get you back in business with minimal fuss or delay.  Our commitment is to settle claims fairly and efficiently.  Find out what we can do for your business - call us now for a motor trade insurance policy quote.

All our customers have access to an exclusive, online risk-management website - giving you a whole range of tools to help plan and manage your business.

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment, training and updates on the latest legislation which may affect you.  Also available through the website are discounts from preferred suppliers and access to our free health, safety and environmental helpline.

And, Premierline Direct motor trade insurance customers also get exclusive access to a wide range of discounts, all aimed at cutting your business running costs.

  • As a Premierline Direct customer you can take advantage of our Business Savings Program giving a wide range of exclusive offers from big-brand names in office supplies, business and leisure travel, IT services and many others - companies like Apple, Esso, Hewlett Packard, Viking Direct, Sharp and Purple Parking.  Call us to find out more.

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Standard cover

The following is covered as standard within our motor trade policy:

Material Damage

Our policy covers your buildings, machinery, plant, trade contents, stock and vehicles for loss or damage on an all risks basis. This includes cover for incidents such as fire, explosion, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.

Public & Products Liability

Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Motor Vehicle Road Risks

There are four types of cover available -

  • Third Party Only (TPO): If you are involved in an accident, you are covered for damage you cause to other peoples vehicles or property or for injuries they sustain.
  • Third Party Fire and Theft (TPFT): In addition to the cover provided by TPO, you are also covered for loss or damage to the insured vehicle caused by fire, explosion or theft.
  • Partial Comprehensive: In addition to the cover provided by TPO & TPFT, you are also covered for parts and sundries following any damage to the insured vehicle sustained in an accident or for any damage caused by vandalism. You will provide or pay for the labour in return for a premium discount against the full Comprehensive premium. Full Comprehensive cover applies to customer's vehicles.
  • Comprehensive: In addition to the cover provided by TPO & TPFT, you are also covered for any damage to the insured vehicle sustained in an accident or for any damage caused by vandalism.

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Extensions of cover

The following extensions form part of the standard policy cover:

Extensions of cover Standard cover limit:
Loss of money
In transit or bank night safe £1,500 any one loss
On premises during business hours £1,500 any one loss
On premises out of business hours £500 any one loss
In a specified safe out of business hours £1,500 any one loss
In the Insured's personal custody £500 any one loss
Non negotiable money (e.g. crossed cheques and credit card counterfoils) £250,000 any one loss
Personal accident - Assault
Assault or violence resulting in bodily injury to any partner, director or employee, aged between 16 and 70 years caused solely or directly as a result of an occurrence of theft or attempted theft whilst conducting your business.
Compensation payable:
Death, Loss of Sight and/or Limb(s) £10,000
Permanent Total Disablement £10,000
Temporary Total Disablement £100 per week up to 104 weeks
Temporary Partial Disablement £50 per week up to 104 weeks
Replacement Locks
Replacement of locks necessary to maintain the security of the premises, vehicles, safes or strong rooms following theft of keys, key cards or remote controls by force and violence. £10,000 any one loss £50,000 in any one policy period
Seasonal Increase
The vehicle sum insured is increased by 30% during the months of February, March, August and September.
Contents In Vehicles
Loss or damage to contents of customers vehicles and personal property in any other vehicle. £5,000 any one loss
Metered Water
Loss of metered water directly resulting from accidental loss or destruction of or damage to the property insured. £10,000 any one loss
Property In Transit
Loss or damage to your stock and all other property whilst in transit by road, rail, sea, inland waterways or air transport anywhere within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man. £1,500 any one loss

Motor Vehicle Road Risks Extensions

Public Liability
Provides cover for sums you become legally liable to pay for:
accidental injury to any person £ Unlimited any one loss
accidental loss or damage to the material property belonging to any person £10,000,000 any one loss
arising from the use of, goods falling from, or the loading/unloading of an insured vehicle
Emergency Treatment
We will pay for emergency treatment as required by the Road Traffic Acts arising out of the use of the insured vehicle.
Foreign Travel
European Union wide certificate wording which includes all EU Countries. Cover is the minimum indemnity required to comply with the laws relating to compulsory insurance of motor vehicles in any country which is a member of the European Union.
Uninsured Loss Recovery and Injury
We will pay the policyholder's costs of taking legal action as a result of any road accident which causes death or bodily injury to the policyholder or damage to their vehicle or property. £100,000 any one event

Material Damage and Motor Vehicle Road Risks Extension

New For Old Vehicles

In respect of any vehicles owned and registered by you or any private car or motorcycle owned and registered in the name of your customer since new and within the first 12 months of registration which is in your custody or control, we will replace such vehicle with a new one of the same make and model.

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Optional extras

In addition to the standard cover you can add extras onto your policy for an additional premium. These are as follows:

Employer's Liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

Business Interruption - This helps you stay in business by covering loss of gross profit and/or any related increase in the cost of working, incurred as a result of a loss covered under Section 1 of the policy.
Cover is up to the gross profit sum insured specified by you with your choice of indemnity period from 12, 18, 24 or 36 months.

MOT - Loss of Licence - Provides cover to replace loss of profit from MOT testing and associated repair and servicing work following suspension or withdrawal of your licence. Cover includes:

  • An appeal and consultancy service
  • Free telephone helpline

Conversion - Covers loss following purchase of a vehicle from a person who does not legally own it.

Fidelity Guarantee - Covers losses arising from acts of fraud and dishonesty by employees.

Engineering - This section provides:

  • Inspection Service - periodic examinations of all types of plant
  • Fragmentation - covers damage by impact to your property caused by fragmentation of any part of the insured plant
  • Breakdown - provides for the cost of repairs to plant following its electrical or mechanical breakdown
  • Cost of Hiring/Increased Costs to complete work as a result of an insured Breakdown under this section

Personal Accident - This cover provides compensation in certain circumstances to proprietors, partners, directors and employees, up to 65 years of age arising from accidents at work. The basic level of cover provides:

  • Death £10,000
  • Loss of Limb, Hearing or Sight £10,000
  • Temporary Total Disablement £100 per week up to 104 weeks
  • Temporary Partial Disablement £50 per week up to 104 weeks

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Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.

Material Damage

Theft by force - We shall not be liable for damage resulting from theft or attempted theft unless:

  • involving entry to or exit from a building at the premises by forcible and violent means
  • following hold up by violence or threat of violence
  • it occurs in respect of vehicles

See exclusion 13 of Section 1 within the policy document for terms and conditions.

Portable Hand Tools - Cover for theft is excluded unless portable hand tools are stored in a locked tool chest which is secured to the fabric of the building. See exclusion 14 of Section 1 within the policy document for terms and conditions.

Unoccupied Buildings - Damage to buildings which are unoccupied caused by freezing, escape of water from any tank, apparatus or pipe or malicious persons is excluded. See exclusion 15 of Section 1 within the policy document for terms and conditions.

There are also additional measures which you must take to protect unoccupied buildings. See condition 4 of Section 1 within the policy document for terms and conditions.

Money in Transit - it is a condition of the policy that money in transit will be accompanied by:

  • Up to £3,000 - one able bodied adult
  • Up to £6,000 - two able bodied adults
  • Over £6,000 - three able bodied adults

We will not be liable for any loss of money in a specified locked safe out of business hours unless all of the safe keys have been removed from the premises. See page 7 of the policy document for terms and conditions

Motor Garage Condition - This details measures which you must take regarding the storage and removal of waste materials and the storage of flammable liquids. See General Condition 19 of the policy document for terms and conditions.

Portable Heating - The use of portable heating devices in areas other than canteens and offices is not permitted. See General Condition 21 of the policy document for terms and conditions.

During business hours vehicle keys or key cards must be kept in a secure location.

Outside business hours or whilst the premises are left unattended, said keys or key cards must be removed from the premises or if kept on the premises - placed in a locked safe or cabinet and its key or keys removed from the premises or if the person responsible for their safe custody lives on the premises, removed to that part of the premises which the person actually lives.

Metered Water - We shall not be liable for any loss resulting from damage from a loss of metered water in respect of unoccupied premises or accidental escape of water from any automatic sprinkler installation in the premises.

Motor Vehicle Road Risks

Public Liability - Cover does not apply

  • if the insured vehicle is used for a purpose that is not permitted by the certificate of insurance
  • when the insured vehicle is being used on any airfield, airport, aerodrome or military base

See Section 2 Exclusion 6 of Indemnity 1 within the policy document for terms and conditions.

Material Damage and Motor Vehicle Road Risks

New for Old Vehicles - Cover does not apply

  • in respect of theft if the vehicle is recovered within 28 days of the date of which the theft is first reported in writing if damage does not exceed 50% of the vehicle's list price

Public and Products Liability - Cover excludes legal liability arising out of the following:

  • use of craft designed to travel in, on or through water air or space. See Exclusion 5 of Section 6 within the policy document for terms and conditions.
  • the export of products to the United States of America or Canada. See Exclusion 8 of Section 6 within the policy document for terms and conditions.
  • travelling from or to or working on any offshore installation. See Exclusion 10 of Section 6 within the policy document for terms and conditions.

Business Interruption

Public Utilities - We will not be liable for failure of the supply of gas, water, electricity or telecommunications where the cessation of the supply is for less than 6 hours. See extension 3 of Section 8 within the policy document for terms and conditions.

Employer's Liability - Cover excludes legal liability arising out of travelling from or to or working on any offshore installation. See Exclusion 2 of Section 7 within the policy document for terms and conditions.

M.O.T Loss of Licence - Cover excludes losses as a result of:

  • a criminal conviction
  • any policy of National or Local Government
  • suspension or warning received during the 4 weeks immediately following the inception of cover

Conversion - It is a condition of cover that

  • all payments for vehicles purchased or allowances for part exchange must be by cheque, credit card or credit against a new purchase
  • you must be a subscriber to HPI Ltd or Experian Ltd and run the relevant checks

See Section 9 of the policy document for terms and conditions.

Fidelity Guarantee

  • Discovery Period - Cover applies to losses discovered within 18 months of the act of fraud or dishonesty. See Section 10 of the policy document for terms and conditions.
  • References - You must retain a satisfactory reference for each employee who has responsibility for money, goods accounts, computer operation or computer programming. See Condition 9 of Section 10 within the policy document for terms and conditions.

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