Most insurers believe that offering a standard commercial policy will work for the motor trade. This could not be further from the truth. Being our core business focus when starting Esure, we know that being in the Motor trade that having cover for your client’s assets is a must. Our underwriters have created special sections in the wordings and schedules that apply only to the motor trade in addition to the general cover.
Dealerships and motor vehicle sales
Can you imagine having to insure every vehicle on your floor separately? Most insurers will allow you to just list it as stock and choose a sum insured. The wording then states that stock is only your own vehicles. What happens to all the clients vehicles being serviced or on consignment. Esure will cover any vehicle in custody and control.
Esure will also offer the below cover which most insurers do not:
Cover whilst being worked upon (most insurers only cover after the vehicle has been given to the client)
Theft of parts off a vehicle (most policies say entire vehicle must be taken to have cover)
Theft of parts in the open
We can also provide your client a courtesy vehicle if you submit a claim for defective work
Cover for while a vehicle is being test driven (even with no salesman in the vehicle)
Cover for staff taking vehicles home or on social trips (a lot of insurers will not cover this)
Automatic cover for shade netting
We also understand that insurance is expensive and clients do not want to pay for every section available. For this reason we provide automatic cover for relevant sections at no cost up to certain limits. That way even if the client did not ask for the cover, they are still able to claim as we know what clients require the most even if they can’t afford it at the time.
Some of our staff also come directly out of the motor trade and even have qualified petrol and diesel mechanics in our employ to ensure our products are kept up to date with our client’s needs.