subject: Motor Trade Insurance Can Cover Everything And Everyone [print this page] Motor trade insurance can cover everything and everyone, and it needs to. So many things can go wrong, whether you are driving a vehicle, working on one, or even selling one. The motor trade is a huge umbrella involving so many people undertaking a range of different jobs with different levels of risk involved. This means it can be tricky when trying to find the motor trade insurance cover that you need.
Mechanics working on cars in a garage, or those conducting inspections on trade in vehicles, are exposed to significant risks every day of their working lives. If you are the owner of the garage and something happens to one of the mechanics whilst they are working on a vehicle, you will want to at least know that you are adequately insured to cover the costs associated with damage to the vehicle, medical bills and even wage payments for the injured worker during their recovery period. Although stringent health and safety procedures are usually in place these days, accidents can and will still happen when you least expect them to. Accidents can still occur at the hands of the most experienced and well respected mechanic.
What about the car dealer who has ordered a fleet of cars for the showroom, only to find that they have been damaged in transit? If the car dealer does not have an up to date and comprehensive motor trade insurance policy, it could cost them an arm and a leg to have the repairs carried out, not to mention the loss of value if the cars were ordered and purchased as new. When car dealers take an active role in organising their insurance needs, they have the opportunity to get on with business, without the stress and worry involved if things ever go wrong.
Everyone in the motor trade industry also needs to consider insurance cover for the people that enter their premises as well. If you own a workshop, garage, or showroom to name a few, the general public could be at risk of having an accident whilst on your property. Appropriate insurance cover can make sure you are protected if a circumstance such as this happens.
The examples above are just an outline of the situations you could find yourself in when you work in the motor trade industry. If you have a current policy, make sure you read over it carefully to make sure you have all of the different covers you need for the specific industry you are working in. It will be too late after the event, so spend the time now to make sure you have the right insurance for your business and to cover all of your employees as well as the general public. I don't believe you can ever have too much cover when you work in an industry like the motor trade, however having too little cover, might not be something you want to think about when an accident has occurred.
by: Neil Anderson
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