Named drivers can be added and removed at any time but notification is always required. While any of the named drivers can drive a vehicle with the trade plates, an unnamed driver cannot. The same occurs in respect of private cars of the proprietor of the insured party.
Specifically, business car insurance can cover a privately-owned car when it's driven to visit clients, travel between different work locations and make sales calls. It can even cover someone else (like a co-worker) to drive a car for business purposes.
At its basics, the policy provides cover for your vehicles and any vehicle under your care, custody and control. Any and every aspect of your business can be covered with this insurance from theft to damage and collisions. In addition to this, you can also protect your premises for theft and malicious damage.
Remember that it's not the car that's insured – it's the driver. So while the owner of the car may have an insurance policy for the vehicle, each driver needs to have their own insurance (either via driving other cars cover or a temporary policy), or be specifically named on the policyholder's insurance policy.
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Can I drive a car if my name is not on the insurance?
It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
What happens if someone else is driving my car and gets in an accident?
If you permit another driver to use your vehicle, and a car accident occurs, you have to file a claim with your own insurance company. Your policy covers the majority of medical bills, property damages, and other expenses.
For most Motor Trade insurance policies we can only offer cover to traders between the ages of 25 and 74. However there are some exceptions, and with a few select insurers we can offer Traders insurance to motor traders over the age of 23.
Motor Trade Insurance, also known as Traders Insurance. Traders Insurance, is a highly versatile insurance policy that aims to effectively cover businesses and their employees. This will cover any vehicle that is in your 'care, custody or control' in addition to any of the business' own vehicles.
Motor trade insurance, or traders' insurance, covers your employees when they're driving or working on your customers' vehicles, as well as those owned by the business itself. It's used by a wide range of businesses. Usually, it benefits those involved in repairing or selling vehicles.
How old do you have to be to drive on a traders policy?
You will not be able to get a policy to buy and sell vehicles in the trade. If you're over the age of 23, you can be considered for a traders' policy if you buy and sell vehicles, or work in service and repair – but only a limited range of insurers will cover you.
It's illegal to drive a vehicle on a road or in a public place without at least third party insurance. Even if the vehicle itself is insured, if you're not correctly insured to drive it you could be considered to be driving without insurance and could get penalised.
But it's worth checking to make sure beforehand. If you have any named drivers on the policy, they might not be covered for any business-related use. Class 1 business cover doesn't usually include door-to-door sales work or deliveries where lots of stop-start driving is common.
Trade plates must be used only for the particular business purposes for which they were issued. It is an offence to use more than one vehicle under a trade licence at any one time, and to keep a vehicle on a road when not in use except in certain emergency situations.
Any motorist who drives with a dirty number or trade plate, where the registration is not clearly visible is liable to be stopped and fined by the police; this includes snow covered plates. It only takes a second to check, so have a quick look to ensure your plates are clean before setting off.
A trade plate is a temporary number plate used by motor traders or vehicle testers to save them the cost and time to register and tax every vehicle temporarily in their possession.
Part-time traders' insurance is a motor trade insurance policy for people who work in the industry alongside another occupation. For example, you may operate a small car garage at home outside of your full-time working hours, where you repair and renew cars for reselling.
It's a complete insurance package for the motor trade which will protect your business, employees, the work carried out, the vehicles under your control and any premises you may own or rent.
Running a business without the right form of insurance can be extremely detrimental, especially if the worst were to happen and a claim has to be made. There are businesses out there that require Motor Trade insurance whom are unaware of the requirements.
If you're 21 or younger, motor trade insurance is not generally available. If you're 21-23 years old, you can sometimes be accepted for motor trade insurance if you work in servicing or repairing vehicles. You will not be able to get a policy to buy and sell vehicles in the trade.
Although giving an exact premium with no details is almost impossible, we can tell you our road risk policies start from: Third Party £318* What does this cover. Third Party Fire and Theft £382* What does this cover. Fully Comprehensive £477* What does this cover.
While the owner or registered keeper of a vehicle is usually the main driver, this is not always the case. If you're in any doubt, ask your insurance provider.
Does a named driver have to have their own insurance?
No, named drivers do not need their own insurance if you're adding them to your existing policy. However, if the named driver has their own car, then they will need their own insurance for that vehicle. You can still be a named driver on someone else's policy even if you're the main driver on your own policy.
