faq | frequently asked motor insurance questions

Frequently Asked
Questions (FAQ's)

If you have any questions that
aren't covered below,
please get in touch
and we'll be happy to help.

We'd been with a local broker for years and he'd always told us we were getting a good deal. It was only when garagecover gave us a quote that we realised how much we could save.

Gavin Harney,
Braconash Motors

I am extremely impressed with the way in which garagecover has guided me safely through the insurance minefield this year. To take the time and effort to visit my premises, and discuss every aspect of cover with me meticulously is a real thumbs up to the way in which WCIB do business. I have already recommended his services to others, and will happily entrust my business in his safe hands for many years to come.

Dean Lomas,
D C Lomas Ltd

Frequently Asked Questions

  1. Who qualifies for a Motor Trade Insurance Policy?
  2. When will I get my Policy and Certificate?
  3. Can I pay by Instalments or Credit Card?
  4. Do I have to pay a deposit?
  5. Do I have to complete a proposal form?
  6. Can I have a Road Risks only policy?
  7. Do you use only one insurance company?
  8. Are courtesy cars covered?
  9. Who is covered to drive my vehicles?
  10. Can you help with MID?

Who qualifies for a Motor Trade Insurance Policy?

If you work in the Motor Trade on a full or part-time basis you will almost certainly qualify - ask one of our advisors if you're unsure - they'll give you a quick decision in seconds.

When will I get my policy and certificate?

As soon as you've confirmed you want cover and have paid the premium we can email the documents to you immediately without any delay.

Can I pay by Instalments or Credit Card?

Yes, we have a range of flexible ways you can pay.

Do I have to pay a deposit?

If this is your first year with us we'll need to collect a deposit, by cheque or Debit / Credit card.

Do I have to complete a proposal form?

No - you'll be issued with a Statement of Fact confirming the details you've given to us and this will be the basis of your policy.

Can I have a Road Risks only policy?

Yes you can, but the range of insurers from whom we'll source your quotation will be smaller.

Do you only use one insurance company?

No, we are professional independent insurance brokers with a wide range of Insurer partners to choose from, including:

Arista
NIG
Royal Sun Alliance
Travelers
Allianz
Tradex
MMA
Primary
Axa

Are courtesy cars covered?

They can be - as long as you've disclosed them when we arranged your cover.

Who is covered to drive my vehicles?

Driving can be as open or restricted as you choose, for named drivers only or to include your friends and relatives for social, domestic and pleasure use. We'll do our best to make the cover fit with your requirements (and save you money too!)

Can you help with MID?

We'll be happy to assist you with your Motor Insurance Database requirements. Just ask when you talk to our advisors.

For a fast turnaround please either:

1. Email us here
2. Call us on 0345 224 2649
3. Go to our online quote page here