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Motor Trade Insurance

We fully appreciate how diverse the motor trade industry is. Whether you have a repair workshop, MOT centre or buy and sell second-hand vehicles, we can help identify a suitable insurance solution for your needs. For instance, a Motor Trade Combined policy can provide cover against damage to property, stock and assets owned by the business, as well as road risks and liability exposures.

What could happen?

There are so many incidents that can occur and give rise to a claim when you run a Motor Trade business. A customer’s vehicle could be inadvertently damaged whilst it was in your workshop, or an accident could occur whilst a road test was taking place. An employee could be injured whilst undertaking a vehicle repair; or your garage could sustain damage through a fire or flood. There are many other examples that could be outlined.

How we can help?

We know that to secure the right insurance solution we need to fully understand your business and with your input we can assess your insurance requirements in detail. Using our market strength, we can then obtain the most economical package for your business, with the optimum cover for your needs.

Where applicable we can source quotations for a Motor Trade Combined policy that would typically include:

Cover for vehicles in your custody or control at your premises and on the road

Employers Liability insurance - £10 million limit of indemnity as standard (can be extended)

Public Liability insurance – cover is available from £1 million indemnity limit although higher limits are commonly recommended

Property Damage insurance for your business premises including buildings, machinery, stock and Business Interruption

Optional covers include Computer and Electronic Equipment, Goods in Transit, Money, Engineering Inspection, Legal Expenses, Personal Accident, Terrorism, Directors and Officers Liability, Loss of MOT Licence and more

We will tailor our solutions to suit your specific requirements and have experience in all sectors of the Motor Trade, including:

• Vehicle repair workshops and MOT centres • Vehicle sales and dealerships • Vehicle body-shops • Tyre and exhaust centres • Specialist activities including with performance vehicles

Why customers choose Marlow Gardner & Cooke

We’re not a call centre, we don’t have call queues You talk to the same people; you know them, they know you We listen but also ask lots of questions; we tailor your solution around you We take ownership of problems and respond with solutions You can be confident your insurance has been set up correctly You can meet us face to face at our office or on site Our service includes risk management advice and claims support

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