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Insurance overview
Our primary focus is on helping you to avoid risk, using our knowledge of your industry - knowledge built through working with businesses like yours. Should the worst happen we provide you with the confidence that you are protected.
Our Motor Trade Select Insurance policy offers you the flexibility of choosing the cover that meets your business needs now and in the future.
What we can cover you for:
- Road Risks - cover for vehicles belonging to you and your customers including driving and moving them as part of your day-to-day activities. You can tailor cover to meet your needs, for example, to include social, domestic and pleasure and unaccompanied demonstration.
- Employers' Liability - up to £10 million as standard.
- Public and Product Liability - damages arising from injury to the public or damage to their property, caused by your products, £2.5 million as standard. Higher limits available.
- Property - All Risks cover as standard for buildings, equipment and stock at your business premises. Includes seasonal stock increase of 30% during February, March, August and September and cover for EV cables as standard.
- Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
- Business Interruption - loss of income or gross profit due to damage to property you use at your premises.
- Money and Malicious Attack - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
- Engineering Insurance - accidental damage or breakdown of machinery and plant.
- Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
- Goods in Transit - loss or damage to your property while it’s in transit.
- Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.
- Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland and Wales.
- Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
- Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
What's not included:
- Employers’ Liability - injury arising from any vehicles requiring compulsory motor insurance.
- Public and Product Liability - injury to any employees – this is specifically covered by Employers’ Liability insurance, which is a legal requirement if you have employees.
- Property - theft of property left in the open (other than vehicles) and theft not involving a break in.
- Business Interruption - all losses if there hasn’t been an insured property claim (it doesn’t have to be with us).
- Money and Malicious Attack - forgery or fraudulent use of a computer or electronic transfer.
- Engineering Insurance - gradual deterioration and damage caused by maintenance, repair, overhaul, modification or misuse.
- Engineering Inspection Services - Damage to plant caused by its inability to withstand testing as part of the inspection.
- Goods in Transit - theft from an unattended vehicle, unless locked, keys removed and there is forcible entry.
- Environmental Liability - pollution from storage tanks partially or wholly underground.
- Commercial Legal Expenses - costs and legal action that haven’t been agreed in advance and cases where there is no reasonable prospect of a successful outcome.
- Terrorism - cyber attack, including hacking, phishing and denial of service.
- Group Personal Accident - pre-existing health conditions and Illness appearing within 21 days of the start of the cover.
- Business Travel - travelling to countries where the Foreign, Commonwealth & Development Office has issued a warning.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
Business Protection
We believe that taking care of the long-term financial security of your business is an essential and not a ‘nice to have’. It's why we’ve teamed up with AIG Life (now owned by Aviva) to bring you a wide range of protection covers to help you take care of the future of your business.
Frequently asked questions
Anyone who works in the trade or runs a motor trade business would benefit from motor trade insurance.
Whether you're a vehicle alarm or security system specialist, an independant body shop, or main car dealership, we can help find the right cover for you. Over cover is for anyone in roles such as:
- Agricultural machinery and vehicle dealers
- Independent car dealers, and main dealerships
- Service and repair or body shops
- Auto Electricians
- Vehicle alarm or security system specialists
- Light Goods Vehicle sales, servicing or body repair shops
- Commercial vehicle signwriters (premises based)
- MOT test stations
Contact your local agency to find out more and to get a quote.
That all depends on the needs of your business. Talk to one of our experts at your local agency office who will be able to advise on the right level of insurance you need and answer all your questions.