Motor Trade Insurance From £6.34* Per Week

Let Us Do The Shopping Around For You

Whatever your size or location, we can provide quick quotes, highly competitive premiums and instant cover, with flexible payment options available. We work with a wide range of insurers to get the best deal to suit your needs.

From
£6.34*
Per Week
Alternatively, Call Us Today On:
Road Risk Enquiries:
Traders Combined Enquiries:
*based on a minimum road risk third party only premium

Our Existing Clients Are Delighted...

September 2016
5 out of 5

Bollington Insurance have been really helpful in meeting all of my requirements dealing with all of my family car insurance

William Woods, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

We have always found Bollington Insurance to be very helpful and trustworthy and we will continue to use their services

Bob Rollins, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have been a customer of Bollington Insurance for over 15 years and they have always been very polite and organised to deal with during that time

Victor Boarer, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

Bollington Insurance have provided myself with motor trade insurance for over 3 years and I am very satisfied and more than happy with the service they offer.

Azad Bandali, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

Fast, efficiant and really try to make life easy. They go the extra mile.

Lola Warrener, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

good value for money and very helpful, never had any problems

Trevor Leonard, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

Always been very happy with the service and the Prices.

Kevin Boasman, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

I have been with Bollington for quite a few years now with my motor trade policies and have always found them to be very helpful especially if I am unable to update any records myself. They have always issued very competitive insurance quotes and am happy to recommend them as a company worth dealing with

Ron Humphery, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

I am very pleased with how Bollington have dealt with my recent claim. I have been with them for 20 years

Thomas McNamara, Motor Trade Client
Product: Bollington Motor Trade Insurance
September 2016
5 out of 5

I have used Bollington Insurance for the past 10 years and found their service to be first class. I would Highly recommend them.

Jon Jones, The 28 Group
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have been with Bollington now for 8 years. I am very happy with them and when i had a claim it was sorted out straight away.

Peter Dicocco, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have always received good service and they are very nice people to deal with.

Mohammed Dawood Omar, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have been with Bollington 3 years now and will be renewing with them next year. They have really helped me out and i have no complaints.

Cyril Davis, Under a Grand Car Sales
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

Everything that i have wanted from them they have come up with. I am extremely happy with them.

Philip Callies, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I’ve been with Bollington for 20 years, the service is excellent.

Graham Jones, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have used Bollington for over 10 years and have never had a problem.

David Siddons, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

Really easy to deal with. A very helpful and friendly service.

Philip Myers, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

We have never had a problem with Bollington in the time we have used them, we find the prices are very competitive. They provide a very indepth service and make sure you know everything you need to know. We would recommend them to anyone.

William & Angela Smart, Regal Motors Kelty
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

I have been with Bollington for 4 years now, When i have had a problem in the past it was dealt with straight away. A great company.

Colin Millar, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

Good company to deal with, straight forward and don’t hide anything.

Russell Gill, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2016
5 out of 5

No Hassle, the insurance does everything he needs it to do. I’ve had no issues with them, they always listen and you get an answer to your questions straight away. All good.

Garry Budgen, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Overall experience was very good and Bollington is a great company. I was pleasantly surprised at how I was treated when I made the claim. The process was pain-free and respone was good. Thank you

Mr Chaudhry, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Very good. Best company I dealt with while looking for prices

Mr N Dennett, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Everyone I spoke to was helpful

Mr S Anderson, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

More than Happy

Mick, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

I really liked the app and the mid update

Mr D Murray, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Very efficient helpful staff

Mr A Murchison, Motor Trade 2016
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Very professional

Mr P Moore, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

I like the way I was treated and will renew next time

Mr A Fahad, Motor Trade Client
Product: Bollington Motor Trade Insurance
June 2016
5 out of 5

Very pleased

Mr P Liebich, Motor Trade Client
Product: Bollington Motor Trade Insurance
May 2016
5 out of 5

Always helpful and efficient.

Ms Taylor, Motor Trade Client
Product: Bollington Motor Trade Insurance
May 2016
5 out of 5

Very helpful advisor

Mr Caldwell, Motor Trade Client
Product: Bollington Motor Trade Insurance
April 2016
5 out of 5

I have been very impressed with everyone I’ve spoken to in your company. Helpful, informative but with no hard-sell.

Alfred, Motor Trade Client
Product: Bollington Motor Trade Insurance
April 2016
5 out of 5

Very good

Clifford, Motor Trade Client
Product: Bollington Motor Trade Insurance
April 2016
5 out of 5

Always helpful and efficient.

Ms Taylor, Motor Trade Client
Product: Bollington Motor Trade Insurance
April 2016
5 out of 5

I have been extremely impressed. I would not hesitate taking out a policy.

Mr James, Motor Trade Client
Product: Bollington Motor Trade Insurance
February 2016
5 out of 5

I think Bollington Motor Insurance are a good company and I would re-insure again with them in the future.

Mr Brown, Motor Trade Client
Product: Bollington Motor Trade Insurance
February 2016
5 out of 5

Good.

Abubaker, Motor Trade Client
Product: Bollington Motor Trade Insurance
February 2016
5 out of 5

We were always well looked after by your team. Can’t fault the assistance we received.

Mr Carroll, Motor Trade Client
Product: Bollington Motor Trade Insurance
February 2016
5 out of 5

Good.

Luke, Motor Trade Client
Product: Bollington Motor Trade Insurance
January 2016
5 out of 5

Very good.

Colin, Motor Trade Client
Product: Bollington Motor Trade Insurance
January 2016
5 out of 5

Advisor was pleasant.

Keith, Motor Trade Client
Product: Bollington Motor Trade Insurance
January 2016
5 out of 5

Very good service. Couldn’t be beaten on price.

William, Motor Trade Client
Product: Bollington Motor Trade Insurance
January 2016
5 out of 5

Very good.

Kenneth, Motor Trade Client
Product: Bollington Motor Trade Insurance
December 2015
5 out of 5

Really good always.

Michael, Motor Trade Client
Product: Bollington Motor Trade Insurance
November 2015
5 out of 5

Very good service and helpful in all.

Elias, Motor Trade Client
Product: Bollington Motor Trade Insurance
October 2015
5 out of 5

Overall Experience – Excellent

Mr Sagoo, Motor Trade Client
Product: Bollington Motor Trade Insurance
October 2015
5 out of 5

Very Good

Mr Harrison, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2015
5 out of 5

Very satisfied with your service and back up.

Mr Rickard, Motor Trade Client
Product: Bollington Motor Trade Insurance
August 2015
5 out of 5

Bollington has been faultless over the last 6 years.

Mr Benford, Motor Trade Client
Product: Bollington Motor Trade Insurance
July 2015
5 out of 5

The rep and staff have always been very polite and helpful.

Mr Hanley, Motor Trade Client
Product: Bollington Motor Trade Insurance
July 2015
5 out of 5

Your advisor was excellent.

Mr Rawsthorne, Motor Trade Client
Product: Bollington Motor Trade Insurance
July 2015
5 out of 5

Very good service and good price.

Mr Morris, Motor Trade Client
Product: Bollington Motor Trade Insurance
March 2015
5 out of 5

Very good no problems in all the years I have had a traders policy

Christopher Farrell, Motor Trader
Product: Bollington Motor Trade Insurance
May 2015
5 out of 5

I must say the policy and service I have had from you for the past years was excellent

Mr Wardle, Motor Trade Client
Product: Bollington Motor Trade Insurance
March 2015
5 out of 5

With Bollington for many years first class service

Mr Blake, Motor Trader
Product: Bollington Motor Trade Insurance
March 2015
5 out of 5

Very friendly and helpful staff

Mr Dean, Motor Trader
Product: Bollington Motor Trade Insurance
January 2015
5 out of 5

The level of service was very good.

Mr Beasley, Motor Trader
Product: Bollington Motor Trade Insurance
January 2015
5 out of 5

Excellent quality – it was clear what I am covered for. Extremely satisfied.

Mr Reap, Motor Trader
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

Have been with your company for many years and I am very happy with the service.

Robin Blake, Motor Trader
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

Bollington has been very good throughout, since I first joined them

Phil Cummings, Motor trade client
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

I have been with Bollington for a number of years and found them very helpful, whether it is for renewal or a claim. Thank you.

Mr P Stubbs, Motor Trade Client
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

Great experience unlike most insurance companies. Will continue to use.

Carlos Baker, Home Motor Trader
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

I have used Bollington for 13 years now and not made a claim, so I just find it convenient to renew with the minimum of fuss

Barry Hartle, Motor Trader
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

I’ve been with you for a few years and recommended you to others who are now customers. Great service every time.

Dave Hayes, Road Risks Client
Product: Bollington Motor Trade Insurance
April 2014
5 out of 5

Good company – would recommend

Mr Newstead, Home Motor Trader
Product: Bollington Motor Trade Insurance

Why Use Bollington?

Bollington Motortrade is one of the leading Motor Trade Insurance brokers in the UK. We have been insuring all aspects of the Motor Trade since we were established over 40 years ago, and have been independently rated as ‘outstanding’ for the second year running by Investor in Customers.

Find out more about Bollington and the services we offer by reading our brochure.

We can offer insurance cover for:

We are specialist Motor Trade insurance brokers for:

Why Choose Bollington Motortrade?

  • We could save you £££s on your insurance
  • EXCLUSIVE rates
  • Specialist motor trade broker
  • Quick quotations and instant cover
  • Documentation issued quickly
  • You can speak to us directly over the phone
  • Peace of mind that you have the correct cover

Have any questions? Head over to the New Customers or Existing Customers sections for further information.

Latest Motor Trade News

Bollington partners with Feefo for Trustworthy Feedback
Bollington is pleased to announce it has engaged the services of Feefo, the global reviews and customer insights company, to deliver independent ratings and reviews of its service. Bollington is inviting all its clients to share their opinions on the service it has provided, using Feefo to collect and display the genuine and verified reviews and ratings. … Continue reading Bollington partners with Feefo for Trustworthy Feedback
Starting up a body shop business
There are a huge number of factors to consider when starting out on your own as a garage owner...
BMW 5 Series named 2017 car of the year
The BMW 5 Series has scooped the title of What Car? 2017 Car of the Year.
Watch your car in the cold snap: thieves targeting idling vehicles ‘warming up’
As snow and ice descends upon much of the UK, motorists are warned to be on their guard as thieves target cars with keys left in the ignition while warming up in the cold weather. Nobody relishes waiting for their vehicle to warm up in freezing cold conditions, so it’s quite tempting to head back … Continue reading Watch your car in the cold snap: thieves targeting idling vehicles ‘warming up’
Gap between car value expectations and actual price grows
People selling their used cars or trading them in against a newer vehicle are expecting a higher price than the market is currently able to deliver, according to new research.
Car manufacturers call for new scrappage scheme
New scrappage scheme could help boost sales and clean up roads, claim car manufacturers.
Glyn Hopkin trials live video updates for car repair customers
Garage customers at Glyn Hopkin get live video updates from technicians.
Arnold Clark wins accolade for working with young employees
Arnold Clark recognised for efforts to take on a train young employees.
Dip in new car sales forecast for 2017
The UK new car market is forecast to fall by 3.5 per cent next year to around 2.6 million cars, new figures have revealed.
Essex car dealer shortlisted for Entrepreneur of the Year
Adam Stott, who owns the Big Cars dealership, has been shortlisted for the prestigious award.

FAQs for Existing Customers

Bollington is always on-hand to answer queries from our clients about how motor trade insurance works – simply visit the Contact Us section for full information on how to get hold of us

Here, we answer some of the most commonly asked questions that we are asked by our clients – hopefully, you will get a quick and easy answer to your query!

When do I need to advise you of changes to my business?

There are a number of circumstances in which you should contact us to make changes to your insurance policy.  These include:

  • Adding or removing drivers from your road risks policy
  • Changing the address that you trade from
  • Moving into business premises if you were previously trading from your home address
  • Changing the trades you operate in (e.g. if you sell vehicles and start to valet them, or if you repair vehicles and set up an MOT station)
  • Taking on employees for the first time
  • Increasing the number of vehicles that you are trading, hence requiring a higher level of indemnity
  • Anything other changes to your business that might require you to increase or decrease your insurance cover
  • You should also advise your insurer if you wish to add or remove vehicles from your policy – under Continuous Insurance Enforcement (CIE), vehicles that have not been declared SORN should be added to the Motor Insurance Database (MID).

How do I advise you of these changes?

Whether you have a road risks motor trade insurance policy or a traders combined policy, contacting us to make a change is easy.  Click on the Contact Us button to make any changes to your policy.

MID – Your Questions Answered

What is the MID?

The MID is the Motor Insurance Database, which is maintained by the MIB (Motor Insurance Bureau).  As part of Continuous Insurance Enforcement (CIE) laws, taxed vehicles that have not been declared SORN need to be added to the MID.

Do I have to add all my vehicles on to the MID?

You need to add all vehicles to the MID that are covered on your motor trade insurance policy.  You also need to add trade plates that you own.  The official advice from the MIB is that you should add to the MID “All permanent vehicles (i.e. vehicles registered to, owned by, or leased to you) and any vehicles whose use is regularly covered by the policy (e.g. employees’ vehicles)”, and “Temporary vehicles such as courtesy or short term hire vehicles”.

It is not necessary to add untaxed stock vehicles, but if you are in any doubt, add them to the MID anyway – there is no harm

How much time do I have to add a vehicle to the MID?

Historically, motor traders were given 14 days to add vehicles to the MID, but the current advice is that any vehicles you wish to include on your motor trade policy should be registered on the MID “immediately”.  This means as soon as you can possibly add them to the MID, you should do so.  If you don’t add your vehicle to the MID, you run the risk of being stopped by police while you (or another policyholder) is driving it, and the possibility of therefore having the vehicle seized.

How can I add or remove vehicles from the MID?

A number of insurers now give you access to an online portal, where you can add or remove vehicles from the MID yourself.  This is the quickest and most efficient process to ensure that your vehicles are added to the MID in a timely manner.

When you take out your motor trade insurance through Bollington, we will supply you with the procedure that your insurer recommends as part of your policy welcome pack.

Remember, it is just as important to remove vehicles in a timely manner from the MID as it is to add them.  If you sell a vehicle and it is involved in an accident, you could be liable if the vehicle is listed on your motor trade insurance policy on the MID.

Will you add vehicles to the MID for me?

Yes, we can do this for you.  There is a nominal charge for doing this each year on your policy, should you wish for us to add or remove vehicles from the MID.  Updates can be given via telephone or email.  Please tell us at the point that you renew your policy if you wish to take advantage of this service, and we will advise the fee for doing so.

What happens when I come to renew my policy? Do I need to tell my existing insurer, or my new insurer, my full list of vehicles again?

It depends on the insurer what you need to do to ensure all the vehicles you need are listed on your motor trade insurance policy – and therefore, on the MID.  Your existing insurer may require a full list of vehicles when you renew your policy.

If you are moving to a new insurer, you must supply them with a full list of vehicles for the MID.  They will advise on how this information should be given, and will provide you with further details on how to update the MID in future on your new motor trade policy.

Where can I find out further information on the MID?

Visit www.mib.org.uk for further information and legal information on the MID.

Looking for the best value motor trade insurance?

Look no further! Bollington has been selling motor trade insurance for over 40 years, deals with a range of insurers to offer you the best value cover, and is the 2015 Insurance Times Commercial Broker of the Year – so you’re in good hands when you buy your insurance from us!

What is motor trade insurance?

Motor trade insurance is available to anybody who runs a business – for profit – within a motor trade.  It is specifically for this purpose – it is not a personal vehicle insurance policy.

You will therefore need to provide evidence that you are running a motor trade business to be eligible for motor trade insurance.

Numerous trades can be covered, including:

  • Car and vehicle sales
  • Vehicle repairs and servicing
  • MOT test stations
  • Vehicle breakdown recovery operators
  • Body repairs
  • Vehicle importing
  • Vehicle valeting
  • Vehicle dismantling
  • Mechanical work
  • Motor engineering
  • Vehicle tuning
  • A number of other trades that involve the sale or repair/maintenance of vehicles

 

Am I insured to drive any car on a motor trade insurance policy?

No - there are limitations and exclusions on policies, so you should not assume that you can drive any vehicle that you carry a driving licence to operate.  Some vehicles – particularly performance or high-value models, or imported vehicles – could be excluded, unless there are specific extensions on your policy to cover them.  You need to let us know the type of vehicles you will be driving and/or trading in order for us to ensure you are adequately covered on your insurance.

Who is covered to drive on a motor trade policy?

Drivers that are named on your policy are covered for motor trade use.  It is not the case that any driver can drive vehicles on your policy.

There are also restrictions to cover – specifically, you can only drive a customer’s vehicle for motor trade use.  In certain cases, you can drive a vehicle that you own for social domestic and pleasure use, or for additional business use (e.g. if you work as a part-time motor trader and have a van that you use in conjunction with your work as a builder).

You can also take out accompanied demonstration cover, which will allow a customer to test drive a vehicle in your possession, as long as somebody named on your motor trade policy is there to accompany them.

Why do I need motor trade insurance?

If you conduct business in any area of the motor trade, you will need to obtain insurance. Personal car insurance will not cover you if you are involved in an accident while driving a customer’s vehicle, for example, or when driving a vehicle home from an auction that you have purchased and intend to sell.

If you are carrying out work in the motor trade then, as a minimum, you will need road risks insurance to drive vehicles as part of your motor trade activities. If you have business premises (i.e. you don’t operate your business from your home address), then you should consider traders combined cover.

What is the difference between road risks and traders combined insurance?

Road risks motor trade insurance will allow you to drive vehicles that are in your possession or custody and under your control, on a third party, third party fire and theft or comprehensive cover basis (although you will only get the trade value for any vehicle under a comprehensive motor trade insurance policy).

However, if you have business premises, then this level of insurance alone will not be enough to cover your needs.  Traders combined insurance offers a range of different insurance products in one package.  You will automatically get public liability insurance with defective workmanship cover on a traders combined policy. Click here to find out more about the different products that we offer.

Why is motor trade insurance more expensive for under 25s?

As is the case with private car insurance, insurers consider drivers under the age of 25 to be more of a risk to them.  This is because there is statistical evidence that younger drivers are more likely to be involved in road traffic accidents.

Rather than setting up in business by yourself, you might want to consider joining another motor trade business initially, where you can not only build up experience, but also build your motor trade no claims bonus by driving safely and not being involved in accidents.

How can I save money on my motor trade insurance?

There are a number of ways of potentially saving money on your insurance.  You could opt for a basic level of road risks cover – third-party only or third-party fire and theft – yet you might be surprised to find that comprehensive cover isn’t necessarily a great deal more expensive.

You could also opt to raise your excess – i.e. the amount you would need to pay in the event of a claim before your insurer starts to settle the cost.  Again, this might not represent a huge saving, but it could help to shave a few pounds from your premium.

Keep the number of drivers on your policy to a minimum.  The more drivers, the greater the time spent on the road by your business might be, and the more individual risk factors come into play for insurers.

Only take out the insurance cover that you actually need.  Ensure the level of indemnity – the amount your stock of vehicles is covered for – is appropriate, and not excessive for your business.

Dependent on the insurer, it might also be possible to mirror your private car no claims bonus on your motor trade policy.  Ask us about how this works, and whether it is possible for you to do this to keep costs down if you have no previous motor trade no claims discount.

The important thing is not necessarily to get the cheapest insurance – it’s to make sure that you are properly covered.  You don’t want to spend thousands of pounds putting something right when you find out your insurance isn’t going to cover you – insurance is your safety net, and it’s worth spending a little more to get the right cover for your business.

How many vehicles must I buy and sell to be a part-time motor trader?

You need to be actively trading vehicles and showing that you make a profit from the activity to be eligible for motor trade insurance.  You don’t need to trade huge volumes of vehicles, but insurers will be looking for more than just a handful of cars to be bought and sold during the course of any year that your policy runs.  If you’re in any doubt, please call us to discuss your requirements.

I just fix cars at home – do I need motor trade insurance?

Yes, you do.  If you fix other people’s vehicles to make a profit – rather than as a hobby for your own personal benefit, using vehicles that you personally own – then you need to make sure that you have adequate insurance to drive the vehicles.  Even if it’s just down the road and back, to test your repairs, you still need cover while the vehicle is on the road.  You will also need cover for the storage of customers’ vehicles on your premises, which is automatically included in a road risks policy if you work from home.

There are optional covers available to protect you (such as public liability and defective workmanship cover, for example), although most mechanics working from home would likely only take out road risks cover to keep the cost of insurance down.  It is unlikely that you will be sued for an incident involving a member of the public, or for not doing a job properly, but it might give you peace of mind to be covered against such an eventuality.  Talk to us to discuss your options – we’re happy to offer advice about the insurance that suits your needs.

Can I use my private no claims bonus on a motor trade policy?

Yes.  Some insurers will allow you to transfer or mirror your private no claims bonus on your motor trade policy.  Please speak to us about your circumstances so that we can advise on this – it could save you a lot of money on your insurance if you previously haven’t obtained a no claims bonus on a motor trade insurance policy.

Are there restrictions on vehicles that can be covered?

Yes, there are restrictions specified in your policy.  In particular, vehicles which are imported, of particularly high value, or high-performance vehicles may be excluded from your policy.  Please talk to us if you are considering trading in vehicles that might not fit the standard insurance criteria – it is possible to get extensions to drive particular vehicles on your policy with certain insurers.

Do you offer a range of motor trade insurance quotations, or are you tied to one insurer?

Bollington has access to a wide range of insurance companies, so is able to offer insurance with the company that best fits your needs in terms of cover and price.  You will often find that a broker is tied to one insurer, or has a very limited number of insurers that they can approach, so you’re only getting one price.  This is not the case with Bollington; we are able to provide insurance with household names such as Ageas (formerly Groupama), Aviva, Allianz, AXA, Travellers and LV, through a range of other insurance companies who can cover specific types of motor trade insurance, such as Tradewise and Tradex.

In addition to this, Bollington has what is known as ‘delegated authority’ to underwrite insurance on the behalf of certain insurers, which gives us even more capability to make sure that we can provide insurance as often as possible.

This means that Bollington can offer the widest range of motor trade insurance in the business, at the most competitive prices.

Motor Trade Guides

Ultimate Motor Trade Insurance Guide
So you’re a motor trader and you need to insure your business: to protect your business assets, protect yourself and stay legal.  Or maybe you’re setting up in business for the first time – buying and selling vehicles, or repairing them – and you’re considering whether to work from home o Read more...

Bollington Motortrade offers advice to home motor traders thinking about expanding into premises. As a large independent insurance broker, Bollington Motortrade is well placed to offer sound advice on all aspects of motor trader insurance.  We talk to thousands of motor traders every year about their motor trade insurance requirements and have strong connections to … Continue reading Moving from Home Trader to Garage Trader?

As a motor trader buying and selling a number of vehicles each year, you must have motor trade insurance (it is the individual vehicles that are added to the MID to show against your insurance policy – you don’t add the insurance in its own right to the database!). With every vehicle that you buy … Continue reading Registering Vehicles on the Motor Insurance Database (MID)

The Motor Insurance Database is managed by Motor Insurers’ Bureau and is a central record of all insured vehicles in the UK, including commercial motor insurance. The Motor Insurance Database (MID) is a way for the police and DVLA to monitor and take action against the amount of uninsured drivers on the road in the … Continue reading Why the Motor Insurance Database is vital for the Motor Trader

Rising insurance premiums in motor trade insurance can leave many people scratching their heads. They are often a cause for concern for motor traders who don’t fully understand why they rise and how they can prevent certain rises. In order to save money on your motor trade insurance you must build up your No Claims … Continue reading Rising Premiums – No Claims Bonus and When Not to Claim

As a business owner, if you have three or more vehicles in business use and under your ownership, then you should consider motor fleet insurance. Fleet quotes can vary depending on your business requirements. Speak to a broker at Bollington Motortrade for advice, as you need to tailor the policy to your unique needs. When … Continue reading Do I Need Motor Fleet Insurance?

In many cases, insurance companies see part-time traders as a higher risk than full time. They generally aren’t working as often and are more liable to mistakes. This potentially means more claims being made. When it comes to smaller and part-time traders, more than 75% dealt with by Bollington Motortrade are car dealers or mechanics. … Continue reading Getting Part Time Motor Trade Insurance

An insurance broker provides an intermediary service, or can provide its own products (known as a delegated authority scheme), allowing a broker to give you specialist cover that you might struggle to find elsewhere. Brokers can search for the right policy on your behalf with a number of different insurance companies, to get you the … Continue reading What is an Insurance Broker?

What are the best levels of cover for my motor trade business and what are the repercussions of not having the correct cover? As a rule of thumb, price is not always a good way to compare what you are getting. It’s not necessarily all about the cheapest motor trade insurance; check the levels of … Continue reading Levels of Indemnity – Getting the Correct Cover

Buying cars for good prices at auctions is an important process for many car traders. When buying vehicles for domestic use, often temporary insurance is needed. This would give you enough time to get it home and fill out the full insurance details. However, as a trader with a motor trader policy, the vehicle will … Continue reading Auctions – Adding and Removing Trade Vehicles from the MID

At Bollington Motortrade, we deal with fraud every day, and have sophisticated detection methods. We undertake validation checks on applicants and have access to shared information on known insurance fraud. Thus, we have built up good relationships with insurance companies who recognise that we do all that we can to eliminate fraud. Of course, there … Continue reading Common Fraud – Ghost Broking

This is the question we get asked most often and in all honesty it is the most difficult to answer.  It does all depend on your individual circumstances with many factors being taken into account such as proposer age, location of business, services offered, number of employees and experience when compiling a quotation.  It also depends … Continue reading How much does motor trade insurance cost?

Bollington offers a full range of policies to suit all aspects of the motor trade.  As a specialist motor trade insurance broker, we have created bespoke policies and exclusive schemes to suit the types of customers we work with on a daily basis.  This means that many of our products cannot be found elsewhere from … Continue reading Types of Insurance Available

Claims

For all non-motor claims in relation to:

  • Commercial premises/property
  • Employers liability
  • Public liability
  • Products liability
  • Professional indemnity
  • Directors & Officers
  • Fidelity guarantee

Please visit our separate non-motor Claims page for further information on how to make a claim.

If you have a motor related claim, please see below for our most frequently asked questions.

Making a motor claim: How do I report a new claim?

By calling Bollington Motor Claims on 0800 195 4905

To ensure that your claim is dealt with as effectively and efficiently as possible, it is important to report your claim as soon after the accident as possible, and within 48 hours of the incident.

We are here to help you through every stage of your claim

Who will arrange recovery of my vehicle?

Depending on your choice from the options available to you, either your Insurer or our approved repairer will recover your vehicle. This will be either to an approved repairer or a place of free storage, depending on the amount of damage caused to your vehicle.

Who will arrange repairs to my vehicle?

Whoever appoints the repairer (i.e. you, your Insurer, or Bollington Motor Claims), an estimate will need to be prepared and sent through to the Insurer for them to authorise the repair costs.

Can I use my own garage for repairs?

Yes, you can use your own repairer. However, by using the Insurer or our repairer, the claims repairs are authorised and carried out quicker.

What happens if my vehicle is still under the Manufacturer’s Warranty?

Bollington Motor Claims and the Insurers have access to dealer-approved repairers. These bodyshops carry out repairs to manufacturers’ specifications so as not to affect Manufacturers’ Warranties. All repairs are generally guaranteed for 5 years.

How long will it take to repair my vehicle?

We understand how important it is for your vehicle to be kept on the road. Each claim is different, and once the repair estimate has been authorised by your insurer, the repairer will be in contact with you within 24 hours to arrange repairs. Bollington Motor Claims will keep you informed of your vehicle repairs’ progress. Our dedicated team liaise direct with the approved repairers and insurers to ensure no unnecessary delays occur. Repairs are subject to the parts being available and the garage being able to book your vehicle in.

Can I have a replacement vehicle whilst my vehicle is being repaired?

We will endeavour to provide a like-for-like replacement vehicle. Bollington Motor Claims will discuss with you your specific requirements and your replacement vehicle entitlement.

What happens if the repairs are below my policy excess?

You would be expected to pay the garage in full for the repairs if you are claiming via your insurer. Where the incident is not your fault and there is a third party from which to recover your costs from, we will assist you to do so providing you have purchased our Motor Legal Protection cover.

Do I still have to pay my excess if the accident was not my fault?

Not if you are claiming via the Third Party insurer. If you are claiming via your comprehensive insurance policy you would pay the excess and we would then fully recover this cost for you.

Can I claim directly from the other party for an accident which was not my fault?

Yes, this is known as claiming via the Third Party.

How will my policy be affected by a fault/non-fault claim?

  • Where you are at fault for an incident, your no claims bonus will be affected unless you have purchased Protected No Claims Discount.
  • Where you are not at fault and there is a third party to recover your claims costs from, then your no claims discount will be unaffected. However, this is subject to your Insurer agreeing with the third party’s insurer that you are not responsible for the incident.
  • Where you are comprehensively insured, your Insurer will reduce your no claims discount until they have recovered their costs.
  • Where your claim has been reported to Insurers for information only because you are claiming direct from the third party/insurers, your insurer’s claims file will remain open until they have agreed that the incident is not your fault.

Once your insurers have been provided with sufficient evidence that the third party insurers have accepted their insured is at fault they will close their file and your no claims discount will not be affected.

What can I do if Insurers tell me my vehicle is not repairable and I don’t agree with their valuation or decision?

Bollington Motor Claims will discuss with you why you don’t agree, and ask you to provide examples of vehicles being sold privately that are as close to your vehicle as possible i.e. same age, make, model and of similar mileage. They will then negotiate with Insurers on your behalf to reach an amicable settlement.

What happens if I am not happy with the quality of the repairs?

Our approved repairers comply with PAS 125 which is the industry agreed technical specification of vehicle body repair. It provides body-shops with the processes and procedures directly related to the safe repair of accident damaged vehicles. The repairs are guaranteed for 5 years but if a repair is substandard, we will always look to assist you and rectify the repairs with the repairer. If the repairs have been instructed from your own insurer, then we would report your concerns to your Insurer for them to investigate with their repairer.

Can I claim for additional costs not covered under my insurance policy?

Yes, our Bollington Motor Claims team are here to assist you by providing you with a personalised service to ensure you receive recompense for what you are legally entitled to.

What does “Subrogation” mean?

When you enter into a contract with an Insurer, this is a policy condition which assists the Insurer in recovering any costs where there is a known third party who is responsible for the incident. In essence, the Insurer stands in the place of you to recover their outlay in respect of a claim made against the Insurance policy.

Bollington Motor Claims will do this when you have purchased our Motor Legal Protection policy, which means we have the right to pursue the Third Party for damages on your behalf.

What should we do if we receive a call from another party’s Insurer?

Following an accident, you may receive calls from other companies offering vehicle hire and repair services. Bollington Motor Claims works in association with Action Assistance and we will always keep you informed of any authorised companies that will contact you and when.

I have been injured as a result of a road traffic accident and had unpaid time off work, can I be compensated for this?

If you have suffered an injury from an accident that wasn’t your fault and you have purchased our Motor Legal Protection policy, we can provide you with access to independent medical and legal professionals. They specialise in road traffic accident compensation recovery and they will discuss your entitlement with you on an individual basis, in order provide you with the relevant assistance.

If you have any other questions, which are not covered in this FAQ section, then please telephone Bollington Motor Claims on 0800 195 4905 and a member of the team will assist you. 

Contact Us

Getting in touch is easy and this is a simple guide to help you get to the most suitable place within our business quickly.

Trading from Home: Trading from Business Premises:
Quote for Road Risks Policy (suitable for motor traders working from home or on a part time basis)  Quote for Traders Combined Policy (suitable for motor traders with premises)
Call our Quote Hotline 0845 603 8489. Call our Quote Hotline 0845 600 6312.
Alternatively, please call 01625 854458 if calling from a mobile or from abroad and wish to minimise charges from your provider.  This is the quickest way to get a quotation from Bollington Insurance. Alternatively, please call 01625 854443 if calling from a mobile or from abroad and wish to minimise charges from your provider.
Online Quote Form – click here Online Quote Form – click here
Request a Call-Back from our team – click here.Our aim is to call you back within 24 hours of receiving your request within business working hours. Request a Call back from our team – click here.Our aim is to call you back within 24 hours of receiving your request within business working hours.
Fax: 0800 050 0051 (Please mark for the attention of the Road Risk Team) Fax 0800 050 0051 (please mark for the attention of Traders Combined Team)
Email: enquiries@bollington.com Email newtcquotes@bollington.com
Our opening hours are: Our opening hours are:
Monday – Friday: 8am – 8pmSaturday: 9am – 1pm Monday – Friday 8.30am – 5.30pm
Chat: You can also chat with a motor trade advisor through our online chat facility on our website.  During opening hours our Road Risk advisors are able to answer any quick questions you may have or agree a call-back time to suit you.  Simply start your conversation in the chat window at the bottom of our page.  If we are not available on the chat facility, you can leave a message and we will come back to you when we are back online.
Existing Customer Existing Customer
Need to tell us about changes to your business?  Please call 0845 603 8577 Need to tell us about changes to your business?  Please call 0845 050 5437
Need to add or remove a vehicle from the MID?  Please call 0845 603 8577 Need to add or remove a vehicle from the MID?  Please call 0845 050 5437
Want to upgrade to a traders combined policy?  Please call 0845 600 6312 Are you a road risks customer who wants to upgrade to a traders combined policy?  Please call 0845 600 6312
Want to cancel your policy?  Please call 0845 603 8577 Want to cancel your policy?  Please call 0845 050 5437
Need to make a claim?  Please refer to our claims section to direct you to the right place. Need to make a claim?  Please refer to our claims section to direct you to the right place.

Social Media

Don’t forget you can follow us on TwitterLinked InGoogle Plus and Facebook.  We produce regular news alerts that you may find useful.

We Work With The Following Insurers...