Making sure you know what cars you can drive is an important part of having a Motor Trade insurance policy.
The cars you can drive on a Motor Trade insurance policy will depend on the type of policy you take out. Usually, you can’t just drive any car you feel like driving; most trade car policies will only let you drive cars related to your business for business purposes, or that you own.
Who May Need To Drive Customer Cars?
A car salesman for example, could have a policy that gives them the ability to drive the cars they are selling, any personal vehicles, plus test drive cars they may wish to purchase.
A mechanic (or similar) would need to have the ability to drive a customer’s car to diagnose a problem, move around their premises from car park to workshop, make sure repairs undertaken are working and any problems are fixed.
If you are a car jockey, your Motor Trade insurance policy needs to cover you to drive customer’s cars, because if you don’t have the insurance to allow you to properly do your job, then you are breaking the law and you risk receiving an IN10 endorsement on your licence.
Some motor trade professions, such as tyre fitters and car recovery motor traders for example, may need the ability to drive customer vehicles to be added to their Motor Trade insurance policy, such as tyre fitters and car recovery motor traders for example. Whilst it might not be essential to do the job, it may come in handy. A mobile mechanic may need to move customer vehicles on a public highway and vehicle recovery agents may need to drive a car onto the recovery truck.
To Sum Up
Motor Trade policies are designed for you to operate your business, and to allow you to drive your own vehicles and customers' vehicles, but you can’t just drive the vehicles belonging to your friends or family members if they are not on the policy.
Motor Trade Insurance
If you need Motor Trade insurance or need to add the ability to drive customer cars to your policy, then why not speak to one of the UK’s leading Motor Trade insurance brokers. Get in touch today by clicking Get a Quote or call 0800 221 8077 for free.