Can Your Motor Trade Insurance Protect You For A Second Occupation?

If you are currently working two separate jobs, one involving any type of vehicle work such as a mechanic, valeter or car salesman and the other being a non-motor based one, then you may find some benefits in using your motor trade insurance policy to cover your other work. It doesn’t matter what type of role your other job involves, you can still get an add-on to your cover that will protect you for it.

This handy extra is called additional business use and, as the name suggests, it enables you to use the vehicle that is covered on your trader’s policy for other types of business. This means that you will be covered for travelling between different places in relation to your non-trade job. You will generally find that adding this onto your policy will be relatively cheap, sometimes it can be as low as 5% of the total cost of your policy. This is certainly going to end up costing you a lot less than taking out two separate policies to ensure you are fully covered.

It is worth noting however that this addition will not automatically be included on your policy. There are many people that make the wrong presumption that the policy they take out for their trader related job will provide them the necessary cover for their other work. If you do this, whether by choice or by genuine mistake then you could potentially either end up in trouble with the police or you may find that your insurer will refuse to pay out. Either way, you could end up with an unnecessary headache when it could easily be sorted out by making a simple addition to your policy.

By taking a look at the bigger picture, it is easy to see that the small initial outlay on getting the additional business cover added to your motor trade insurance is definitely worthwhile. It can not only save you money compared to getting separate policies but also prevent you from getting into bother.



Written by E-Commerce Manager of Think Insurance, Chris Roche. For more information on motor trade insurance , taxi insurance or property insurance take a look at our site and give us a call for a cheap motor trade insurance quote.