Why use Paddy Compare for motor trade insurance?

We will do the hard work for you and put you in contact with motor trade insurance brokers that are ready to help and provide you with great quotes.

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Why get motor trade insurance?

Let's talk about motor trade insurance

Why motor trade insurance?

Plain and simple, if you are in the motor trade business, then motor trade insurance in Ireland is a must. Even small liability and minor motor claims can cost thousands of euros including legal costs. We also know that you often hold large amounts of expensive stock which can be damaged or stolen, and without such stock your business is could cease to trade. Therefore by having the right motor trade combined policy in place, you could save you thousands of pounds on claims and legal costs alone, nevermind the time and hassle involved.

Are you a motor trade owner?

Who needs motor trade insurance?

As the motor trade industry comprises of such a range of business types it is important to compare the market to make sure you get the best deal on your traders insurance. If you work in vehicle sales, vehicle servicing, car repairs, tyre fitters, accident repair, windscreen repair, car modifcations, MOT testing, breakdowns, and scrap dealers you should consider a motor trade insurance policy. That is why we at Paddy Compare work with a range of motor trade insurance brokers from across Ireland in order to cover all trades and occupations. Depending on the size and nature of your garage business our partners will provide a policy that suits.

What is covered?

For motor traders who want to insure their premises including their tools and equipment, a combined motor trade insurance policy could be what you need. A road risk insurance policy will only cover the trader for use of vehicles on the road. This type of cover is essential if you as a motor trader have to drive various vehicles in the daily course of business. The level of cover varies from fully comprehensive, third party fire and theft to third party which is the basic requirements. You can have public liability, employers liability and include cover for your building and contents.

Do I qualify as a motor trader?

This is an important question to ask, otherwise you may not be able to get a motor trade insurance quote. You have to be a genuine motor trader who has a financial investment in the motor trade industry, it is not just enough to own a couple of vehicles. It doesn't matter if you are full or part time, but you must be able to show that you actively work in the motor trade industry e.g. are involved in vehicle sales, car repairs, servicing etc.

How do I get cheap motor trade insurance quotes?

Motor trade insurance policies can be costly but by carefully selecting the location of your business, limiting the number of under 25 year old drivers, having a number of years no claims bonus and experience cheap motor trade insurance can be possible. It is important to discuss your exact requirements with our partner brokers, because sometimes you can even pay too much for extras that may not be required. You could also save by increasing your excess.

Why Paddy Compare for motor trade insurance in Ireland?

At Paddy Compare we work with a range of motor trade insurance specialists from across Ireland. By using Paddy Compare, we will search our network of motor trade insurance brokers to try and find you the cheapest rate. Simply complete our online motor trade insurance comparison quote form. Paddy will then match your details up with specialists who will contact you with competitive motor trade insurance quotes. Give it a try; it's free and easy tp use.

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What types of motor trade insurance covers are available?

Every policy is different and tailored to your individual motor trader needs and circumstances, speak to our advisers and get the right motor trade insurance cover today.

Commercial combined insurance

A commercial combined policy is sutied to a motor trade business that needs complete protection and includes all the key business covers in one policy.

Motor trade road risk cover

Motor trade road risk cover allows you to drive any vehicle that is under your custody or control for business purposes. This cover is vital when a motor trader has several customers' vehicles, and/or stock vehicles, within their care.

Public and employers liability cover

Public liability cover will cover you against claims made by third parties whilst at your premises, and employer's liability provides cover against claims by your employees.

Garage and premises cover

You can get cover for your garage and premises included in your policy to the replacement cost of both should the worst happen.

Stock cover

If you own stocks and assets on premises such as a fleet of vehicles, then you should protect yourself against damage or stolen assets.

Goods in transit

Goods in transit cover will protect you if your property, goods or product are damaged or stolen whilst in transit from one premises or site to another.

  • What are typical claims?

    Some typical motor trade insurance claims would be if an employee crashed a customer's vehicle when driving it, if an employee was injured whilst servicing or repairing a vehicle, if damage or injury was done to a third party whilst at your premises, and if there was a fire or damage to our premises. The right motor trade insurance combined policy could cover the costs of such claims.

  • What vehicles are covered?

    Any vehicle owned by the insured, or registered in the insureds name, or vehicles in stock for sale are covered. If a customer has left a vehicle to the business for service or repair, those vehicles are also covered if under the control of the insured for the period of time at the premises. You should ensure to discuss the details with one of our partner brokers.

  • Can family drive under the motor trade policy?

    Typically the motor trade policy covers the insured only, the garage employees and business owner who are actually working in the motor trade industry. In some instances a spouse an be added at an additional cost. You should be sure to discuss your circumstances with our partner brokers in detail.

  • What details do I need to get a quote?

    You will required the details of your motor trade business to hand and be able to evidence this to our brokers in order to be eligible for a motor trade insurance quote. You will need to provide details of the number of employees, stocks, number and value of vehicles held, the nature of your trade, if any driving is being done and who by, and the address of your business. You will also need to confirm your contact details in order that our brokers contact you. It is important that you complete the quote form as accurately as possible.