Motor Trade Insurance

Whether you are a sole trader without premises or a large main dealership we can arrange a policy have a policy to meet your requirements.  The policy can be a complex mix of covers combining motor and property or a simple Road Risks only policy. We provide can arrange personal visits to your premises to discuss your specific needs with the following covers being available:

• Buildings
• Your Own Vehicles
• Customers Vehicles
• Tools, Plant and Equipment
• Stock
• Business Interruption / Loss of Profits
• Wrongful Conversion
• Money
• Glass
• Public Liability and Products Liability
• Employers Liability
• Engineering Inspection and Breakdown
• Road Risks

Fleet Insurance

We deal with all of the major Fleet Insurers both locally and in the London market and can simplify your fleet management operations with a single, cost-effective policy that covers all of your vehicles. Cover can be designed with your particular business in mind. Whether you have a small fleet of 2 or 3 vehicles or a larger fleet we can arrange a policy that will provide the right cover for your business.

 Our Insurers can offer cover for:

• Comprehensive, Third Part Fire & Theft, Third Party Only & Laid-up Fire & Theft Only
• Any Driver covers (age restrictions can apply)
• Uninsured Loss Recovery
• Replacement Vehicle
• With 24 hour accident report lines and the option to include Breakdown Cover we can arrange a hassle free insurance policy for you or your business.
  
  We can also arrange to administer and up-date the Motor Insurance Database on your behalf

You will deal locally with real people who will provide a high quality service, no call centres, no automated calls, and no customer service departments where you cannot understand what they are saying. Real people with 20+ years’ experience in handling fleet insurance, real people that care about clients and your business.

Commercial Vehicle Insurance

We can provide Comprehensive, Third Party Fire and Theft, and Third Party Only Insurance, as well as stand-alone Uninsured Loss protection insurance in the event of non-blame accidents. With Vans, Pick-Ups, Trucks & Lorries coming in all shapes and sizes flexibility is the key to arranging competitive premiums and the right level of cover that you and your business needs. When it comes to insuring your commercial vehicle, we have access to a large panel of leading Insurers that can provide the appropriate cover for your business.

Options available:

• Choice of Covers
• Breakdown
• Flexible Driving
• Discounts for low mileage
• Occupation Discounts
• Option to Protect your No Claims Bonus
• Choice of Excess
• Courtesy van when repaired via approved Insurers (*Depends on Insurer chosen)
• Temporary hire van following a theft or write off (*Depends on Insurer Chosen)
• Monthly payment facilities

Travel Insurance

can protect you against circumstances that could leave you out of pocket whilst on your trip. Common events include lost luggage, delayed flights or medical bills. Most pre-existing medical conditions and disabilities can be catered for.

All insurers offer slightly different levels of cover and our advisors are available to discuss your requirements to ensure that your cover meets your needs.

Freight Liability Insurance

Provides policyholders with protection for loss of or damage to customer’s goods in accordance with the conditions of contract, carriage or trading specified.

Hauliers, warehouse keepers, removers and couriers need to ensure that goods they transport for others is covered to the extent of their liability to their customer, whether under RHA/CMR conditions or Institute Cargo Clauses A, B or C or other relevant Institute Clauses

Freight Forwarders need specialist cover which includes protection from their own Errors or Omissions as required by BIFA Conditions and any responsibilities they take on under Hague-Visby Rules, CMR Conventions or the Warsaw Convention. They may also need an Open Cover facility to arrange Cargo Insurance quickly and easily for their customers who don’t have this in place.

Many UK businesses also move goods from country to country and never import to the UK and protecting their earnings from such business is vital. All Risks Insurance or limited cover may be provided in accordance with your needs and can be specifically adapted to fit the requirements of businesses importing or exporting goods around the world. 

Goods in Transit Insurance

Often refers to goods being moved by your own vehicles or by courier or haulier, usually within the UK and sometimes by sea/air within Europe. A limit per package or consignment is usually set by the policyholder.

Manufacturers, suppliers and wholesalers need to move their goods around the country and require protection against loss or damage to the load on their vehicles/in containers or pallets. Losses in transit impact on your buyers or your customers’ buyers and delayed delivery due to theft or accident can lose you a vital customer, causing damage to your profits. Replacement goods cost money so it is vital that you have protection for such claims.