If you’re buying, selling, repairing or maintaining any kind of motor vehicle, you will be better protected by taking out specific motor trade insurance cover.
As one of the largest independent motor trade insurance brokers in the UK, we work with a whole range of clients from one-man bands to large, nationwide, multi-site businesses, helping them keep their assets, staff, the public, directors and shareholders suitably protected.
We are NOT a call centre. We work hard to understand your business, your goals, your challenges and your culture.
Our high retention and referral rates are down to the relationships our clients have with our team, and the peace of mind that provides.
Off-the-shelf commercial packages could leave you exposed at the time you need it most – when a claim occurs. We can create a bespoke solution to fit your budget and requirements.
We have access to a wide range of insurance markets, and we work with reputable insurers who offer wide policy coverage, flexibility and provide high service standards, including an excellent claims service.
We have long-standing relationships and are highly regarded within this specialist sector, so benefit from access to exclusive insurance products and cover enhancements.
What Can We Cover?
There are types of business cover that are legally required, but if you work in the motor trade, we can also cover you for other risks unique to your line of work. The cover you need will depend on your specific trade and the level of risk arising from it. Our motor trade insurance can keep your business safe by providing a combination of cover, including:
Property Damage – protects you against loss or damage to buildings and contents including vehicles, tools & equipment, machinery & plant.
Business Interruption – protects your Gross Profit in the event of a material damage claim.
Loss of MOT Licence – protects you from any loss of revenue if you lose your MOT licence.
Wrongful Conversion – covers you against financial loss for purchasing a vehicle from someone who is not the true owner.
Public Liability – protects you against claims from the public (whether they are a customer or not) for injuries on your premises, defective workmanship or damage to their property.
Employers’ Liability – covers you if you are liable for injury or illness of an employee arising out of their work.
Engineering Inspection – covers the statutory inspection of relevant items of plant such as lifting & pressure equipment.
Road Risk – protects you when driving your own or customer vehicles in your care. (Only offered as part of a combined policy.)
Legal Expenses – could provide you with funding for the cost of bringing or defending a legal case, and gives you access to telephone advice to help.
Bespoke Insurance Portfolios can include some of the following policies:
Whether a single outlet or chains; we can source the appropriate motor trade insurance for your business needs.
Alongside your tailored policies we can also include additional covers
Whilst our motor trade insurance cover protects you from the impact of trade specific risks, there are other additional policies you may want to consider to fully protect your business, such as:
Directors and Officers – reimburses the costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing.
Environmental Impairment Liability – provides coverage for loss or damages resulting from unexpected releases of pollutants typically excluded in general liability and property insurance policies.
Cyber – covers the losses relating to damage or loss of information from IT systems and networks from an unauthorised IT system access, electronic attack, or privacy breach.
Credit Insurance – covers against the risk of businesses not being paid for goods or services that they sell, or buy, (if on a pro forma basis).
Healthcare – cover could include private medical insurance for individuals or groups, income protection, life assurance, critical illness or key person protection.
Client feedback
Why Choose us?
Our clients tell us there are many benefits to working with us:
Expertise
The motor trade insurance team, is spearheaded by our experienced brokers Mike Butler and Ash Babcock. We have vast amounts of retained knowledge within the team so are quick to understand a client’s needs and which insurers would be best placed to secure the right cover for those needs. We’ve developed excellent relationships with insurers over the last 50 years, which can bring all manner of benefits for clients in terms of negotiation and speed of response.
Relationships
Our clients repeatedly tell us that one of the biggest benefits of working with us is the relationship they have with their contact at C&C which can often include client visits. At the risk of repeating ourselves, we’re NOT a call centre! We take the time to really understand our clients, their business, and the specific market they operate in. Having this consistency of contact means clients avoid that starting-at-square–one feeling when it comes to renewals or initiating a claim.
In-House Claims Team
Should the worst happen and you need to make a claim on your motor trade insurance, our in-house claims team will be with you every step of the way. In fact, they take the lead on the process and manage as much interaction with insurers and loss adjusters as possible. They can challenge, chase up, and champion your case all on your behalf. Having our team in your corner at such a difficult time brings immense peace of mind to our clients.
CONTACT OUR SPECIALIST MOTOR TRADE INSURANCE TEAM ON 0161 406 4800 TO DISCUSS WHICH OPTIONS ARE RIGHT FOR YOUR BUSINESS
