Can I get motor trade insurance working from home?
Yes. Home-based traders — from online car dealers to mobile mechanics — can get motor trade insurance, and many policies are written specifically for working from a home address.
How home-based cover works
Plenty of traders run their business from home, advertising online and keeping a few vehicles on the drive. Insurers are used to this and can cover a home address as your trading base.
A few things help when you work from home:
- A clear record of your trading activity
- Knowing where vehicles are kept and how many
- The right road risk level for driving customers' cars
If you store stock or keep customers' vehicles on site, you may want a combined policy to cover them too, since a home buildings or contents policy won't. Whether you're an online dealer or a mobile trader, compare quotes from regulated brokers to find cover suited to a home-run business.
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Does my home insurance cover my motor trade business?
No. Standard home buildings and contents policies exclude business activity. You need a motor trade policy, and combined cover if you keep stock or vehicles on site.
Can I keep traded vehicles on my driveway?
Usually yes, but tell your insurer where vehicles are kept and how many. Where and how they're stored can affect your cover and premium.
Do I need premises to get motor trade insurance?
No. Many traders work from home with no commercial premises at all. Road risk covers your driving, and you add other cover only if you need it.