We haven't met many full time MOT Centre owners that have a part time job as a paramedic, but that's not to say we haven't insured one. Wouldn't it be crazy if a specialist trade insurance provider couldn't include your own vehicles on a policy too? Or that of another occupation they have that is in-running with the motor trade. Due to the state of the economy, we are often asked is it possible to have additional business use with my traders cover? We most definitely do try out best to tailor every policy quote to your individual needs.
At the very least, standard additional business use can be purchased on top of the inherent clauses to cover vehicles you own or use whether it is for your main occupation or a second job. You'll see this additional business use termed as ABU. This is additional insurance cover that you have to ask for specifically. It is not an accepted fact that you need cover for other vehicles you own or that you might have a second job. Indeed, there are many more question to arise once you ask for this to be put in place.
We will need to understand the nature of your job and about any cargo or tools you carry. Where you trade from, or if you work for someone else. As well as understanding if you own the vehicles or someone else does. Is it possible to have additional business use with my traders cover? Yes and it can often be arranged for as little as 5% of your overall policy quote. Simply ask for ABU.