Commercial and Motor Trade Insurance

How to renew your motor trade insurance policy

Should you wish to renew your motor trade insurance policy, it is important that it is renewed on or prior to the final date (expiry date). Failure to do so will mean that you will not have any insurance cover.

When renewing your insurance policy, it’s important to tell us of any changes to your circumstances, as this may affect your cover, for example; things like speeding convictions or additional drivers. Failure to do so could invalidate your case in the event of an insurance claim.

How we can help

Renewing your trade insurance doesn’t have to be a headache. We try to help make the process as hassle-free and seamless as possible by:

  • Writing to remind you that your policy is due for renewal at least three weeks in advance
  • Talking you through the renewal process and making any changes you may need to make.

Don’t leave your renewal to the last minute.

When you receive your renewal letter from us you have around three weeks before your policy needs to be renewed. If you don’t renew your insurance with us or make alternative arrangements, you will end up being uninsured, and it’s an offence to drive a vehicle without insurance.

Renew your policy

Making changes to your policy

Have you moved house? Need fewer people insured on your policy? If anything’s changed that could affect your insurance with us, you need to let us know as soon as possible.

If your insurance policy isn’t up to date, then you may be left with no cover in the event of a claim.

Make sure you contact us to:

  • Add or remove a driver from your policy
  • Change your address
  • Increase the value (indemnity) you’re covered for
  • Change the type of cover you have
  • Arrange cover abroad
  • Inform us of any other changes that could affect your insurance

Call us on 0845 330 0770 to discuss your particular circumstances with us. (It’s possible your premium could change and an adjustment charge will be applied. For full details, read our Terms and Conditions

Making a claim

If you need to claim, make sure you contact us as soon as you can so that we can start your claim straight away.

Involved in an incident during normal office working hours?

If you’ve been involved in an incident between Monday and Friday, 9am – 5pm, follow the procedure below and call us on 0845 373 4772.

Involved in an incident outside normal office working hours?

If you’ve been involved in an incident outside of normal office working hours, please follow the procedure below and call us on 0845 373 4772.

Make sure you leave us a message, clearly stating your name, address, telephone number and client reference number and we’ll call you as soon as the office reopens. Alternatively, you can wait until normal office hours and call us directly.

What should you do in the event of an incident?

  • Don’t drive away. You must stop if any person or animal has been hurt, or if any vehicle or property has been damaged.
  • Ask for the names and addresses of any other drivers or pedestrians. If another driver’s involved, ask for the name of his or her insurer and for their insurance policy or certificate number.
  • If the accident damaged another vehicle, property or animal, you must give your name, address, vehicle registration number and show your insurance certificate to anyone who needs it. If anyone other than you is injured, you must show your insurance certificate to the police.
  • Write down the names and addresses of any witnesses.
  • Draw a diagram of the scene that includes as much detail as possible, including:
    • The position of all the vehicles before and after the accident
    • The speeds and distances
    • Road names and layout
    • Where witnesses were standing
    • Any other obstructions to your view, or the view of other road users
    • Any other information that could be relevant to the incident
  • Do not admit you were at fault in any way or offer to make a payment. If any other person does this, remember to report it to us.
  • You must report all accidents, particularly those involving personal injury to us immediately. Call us directly on 0845 373 4772 and we’ll send you a report form where you need to answer all the questions and sign and date it.
  • If you receive any writ, summons or correspondence from anyone else or their representative, send it to us immediately. You must also tell us if there’s going to be any police action.

Frequently asked questions for motor traders

Not sure who’s covered by your motor trade insurance policy? If you can let your customers carry out a test drive? Or whether your vehicles are covered at your home or business address?

Take a look at our FAQs section to find out more.

Find out more

Financial Conduct Authority (FCA)

Tradesure is authorised and regulated by the FCA. The FCA exists to protect customers by defining the standards of acceptable business practice and customer service.

We’re committed to following the rules and guidelines set out by the FCA to ensure we offer outstanding services and adhere to current best practice to provide our customers with the best possible experience.

The FCA has produced a set of rules and guidance that define the acceptable standard of business practice and customer service. We’re committed to following these rules, which support our aim of providing a quality service.

Find out more

Treating customers fairly

We’re fully committed to treating our customers fairly by:

  • Providing products that are most suitable for their needs
  • Always representing our customers when dealing with insurers to get the best policy to meet their needs, or in the event of a claim
  • Providing experienced, friendly and professional staff
  • Giving our customers direct access to the right staff and not using complicated, automated phone systems or passing them from department-to-department
  • Having a transparent business policy – there are no hidden fees or use of income-generating phone numbers
  • Always using Plain English to provide clear and understandable policy information
  • Correcting any mistakes promptly and efficiently

Got any questions?

Contact us directly on 0121 248 5050 and speak to one of our advisors. Alternatively you can write to us at Norton Insurance, 4 Vicarage Road, Edgbaston, Birmingham, B15 3ES.

frequently asked questions

Q. Do I Need A Motor Trade Insurance Policy?

A. If you are trading vehicles, buying and selling them on a part time or even full time basis then you will need a motor trade insurance policy. If you are repairing or servicing other people’s vehicles, where you have a customer’s vehicle in your care, custody or control for the purpose you will need a Motor Trade Insurance policy…


Q. Can I get immediate cover over the phone?

A. Yes you can. With Tradesure Motor Trade Insurance, we know how important your business is to you so we make insuring your trade as simple and quick as possible. We provide immediate cover once payment has been setup, or if you’ve paid in full if you prefer…


Q. Will You Update The MID On My Behalf? Does This Cost Anything?

A. We will do and for absolutely nothing. We do this for free for our customers. Just bear in mind you need to contact us during our opening hours…


*we never share your information with third parties