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Motor trade insurance NI

If you’re based in Northern Ireland and, as part of your business, you take ‘care, custody and control’ of others’ vehicles, then you will need motortrade insurance NI. Because, while in your care, the owner’s insurance will not apply. Motortrade insurance protects you and your business as you undertake that work. It’s easy to get a great quote – complete a short form with your details and requirements, and we’ll provide a quote in minutes. See if you could ‘save a lot with Apricot’!

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Motortrade Insurance NI

If you’re part of the motortrade industry in Northern Ireland you need the right insurance to cover your business. Working out which policy ticks all the boxes can be time consuming, so Apricot Insurance can help by finding cheap insurance quotes for you. Just fill out our simple online form and get quotes that are tailored to your needs.


Who needs motortrade insurance NI?

The motortrade industry includes many types of auto business and anyone who works on vehicles for profit will need cover.

Motortrade insurance NI covers people who repair vehicles or who sell them, or their parts. This includes mechanics, body repair shops, car restorers, car dealers, valet parking services and breakdown recovery companies. They all require insurance to trade legally.

Even if you work in the motortrade part time, you’re likely to need motortrade insurance.


What does motortrade insurance NI cover?

Typically, this cover includes:

* Road risk insurance – so you can drive vehicles in the care, or being worked on by your business, including customers’ cars.

* Public liability insurance – for cover if a member of the public gets hurt.

* Employers’ liability insurance – this is a legal requirement if you have staff.

* Property insurance – to protect buildings used in the business.

* Legal expenses – to protect you against customer or employee claims.

* Material damage cover – to cover equipment and vehicles kept on your business premises.


What is combined motortrade insurance?

This is a policy for traders with more complicated insurance needs. For example, you may have lots of equipment and vehicles in your care, or a business with many branches.


Will I need additional cover for my motortrade insurance Northern Ireland?

If your business involves fitting new parts into a vehicle, taking out product liability cover will protect you if that part turns out to be faulty.

Fines and damages cover can be useful if there’s a business risk of not completing contracts.

Extra driver cover, where you can name a number of drivers, may be cheaper than an “any driver” policy. It’s vital any employee who will be driving your company vehicles, or a customer’s vehicle, is covered by your policy.


Are there ways to bring my motor insurance NI costs down?

This type of insurance cover can cost more, but there are ways to make it more budget friendly:

* Carefully consider your choice of company vehicles. Older, reliable vehicles cost less to insure than high-value or imported cars.

* Avoid “any driver” cover and think about which staff members will bring down your costs. Choose drivers with more experience and a good no-claims bonus.

* Increase security at your business and in your vehicles.

At Apricot Insurance, we work with the UK’s leading insurance companies to find you cheap motortrade insurance NI. Get a cheap insurance quote at Apricot today.