Any motor trader with their own premises and a growing business will benefit from a combined policy as you can modify your cover to serve your business’s needs better. However, no two motor traders are the same, and your insurance should reflect that
For example, car traders working from their own premises will need a different type and level of cover from a mechanic operating from a garage. Both traders would need a road risk policy and liability cover for employees and staff. Additionally, business interruption and money cover would be beneficial as the two traders would be vulnerable to theft or an event that pauses their work for an undetermined amount of time.
However, a mechanic would be at a greater risk of having their vital equipment stolen and suffering an injury in their garage. With a motor trade combined insurance policy, alongside standard road risk and liability cover, they could also get the necessary portable tool cover to replace stolen equipment and personal accident coverage.