trade insurance

[Shiny]

You can have the car on the policy, the policy will be in your name as you are a self employed individual and not a company.

[sean20]

cheers Lloyd grate help thank you

silly question i know but off the top of your head how much am i looking at for trade insurance?

[-Kev-]

how longs a piece of string lol

[smyrk]

Well put it this way mate, cover sure sort my insurance out, im 22 and my dad is 49 and were both on the policy, and i pay just over 2500 for the motor policy and liability insurance. Which is a he'll of a lot of money but at the end of the day were based in a unit so we have to be insured to drive customers cars so without it im screwed. It's just one of them things i have to grin and bear it and to be honest these days I'd be lost without it always jumping in peoples cars to drive them etc. I also do abit of trading on the side which you would struggle if you don't have trade policy.

[sean20]

thanks mate
what you say there is true

was it cheaper for your dad to go on it?

[Shiny]

Originally Posted by -Kev-

how longs a piece of string lol

Lol, spot on.

There are loads of variables Sean, even a post code can be three times the price of another. I'll have to speak to you, take full details and get a presentation off to the insurers so they can quote.

[sean20]

ok thanks Lloyd youv been a grate help

[Shiny]

Originally Posted by sean20

thanks mate
what you say there is true

was it cheaper for your dad to go on it?

it doesn't work like that mate, with motor trade road risks, more drivers = more risk = more premium.

[alexjb]

Try and get the garage to cover you on their insurance mate, then you won't have to pay anything. I work in a small garage (around 25 - 35 cars) and do valeting and very rarely a full detail. I'm 18 but had my license over a year with 1 years NC. When I started working there it only put the excess up by £100 I think. Although I do only work around 2 days a week because I'm still a student so I'm not sure if that would make a difference.
Hope this helps.

[Shiny]

It is not as simple as that, as mentioned, he would need to effectively be employed by the garage and it will only cover him to drive cars on behalf of the business of the garage.

If acting as a bona fide subcontractor, not labour only, he won't be able to get cover under the garage policy. I come across this far too often, garages don't know what they can and can't do half the time and even worse they get duff advice from brokers that don't fully understand motor trade insurance.