Motor Trade FAQs 

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Do I qualify for a Motor Trade policy?
If you are operating or looking to operate a business on a full or part time basis for profit then you do.
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How much does it cost?
Ask for a quotation and we will be able to swiftly identify the cost depending on your circumstances.
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What occupations can you cover?
Almost anything - Mechanics, used car dealers, valeters, motor traders, body repairs, recovery agents, breakers, collection and delivery agents, car importers, salvage dealers, and many more.
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Will 1 Stop Insurance give me good service?
We have been established over 20 years handling the needs of Motor Traders and other commercial and personal clients. We also work in close association with the most major insurers as well as niche providers.

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Do you offer payment terms?
Yes, we offer a wide range of payment options to suit everyone, please ask for details.
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Which Insurance Companies do you use?
We place insurance with several leading insurers all approved under UK legislation. These include household names such as Norwich Union, Royal Sun Alliance and Axa as well as other companies who specialise in Insurance for the Motor Trade industry.
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Can I get immediate cover over the phone?
YES - in some cases this will be subject to you paying at least a deposit premium on a credit or debit card
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Can I pay by instalments?
Yes - We offer several different options by which you can settle your premiums to us
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What happens if I have a claim?
The insurers dedicated claims team will guide you through the process, informing and negotiating with you to ensure a speedy and fair settlement.
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What if a claim is not my fault, will I still lose my "No Claims Discount"?
Largely this depends on the circumstances. Claims are often classed as either ‘fault' where you will lose your discount or ‘non fault' where you won't.
A non-fault claim is one where your insurer is able to recover all of their costs from someone else. A fault claim is one where they are not able to recover all costs. This may be because you are partially or totally responsible for a collision or if the other person is not traceable or uninsured. An example being a hit and run accident, when your vehicle is parked. Fire and theft claims are also counted as 'fault' for the purposes of no claims discount.
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Who is entitled to drive vehicles on my Motor Trade policy?
This is up to you. Some policies cover only "named drivers", others will cover virtually anybody who you give permission to including your employees, relatives and friends. Remember though the greater the degree of flexibility you require over drivers then the more your premium is likely increase.
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What sort of Vehicles can be covered?
Almost any kind of mechanically propelled vehicle can be covered but the more unusual or expensive the vehicles the more specialist the cover. Restrictive covers may also apply in these instances.

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