What is Trade Plate Insurance?

Trade Plate Insurance is a specialist policy designed for UK motor traders who drive UK vehicles that are unregistered or temporarily registered using trade plates.

The primary purpose of a trade plate policy is to allow traders to legally move vehicles on public roads without the need to individually tax each vehicle while it is only in their temporary possession, such as during delivery, transfer, repair, MOT, or test drives.

The policy provides cover for key risks including third-party liability, accidental damage and theft while vehicles are being moved or used in connection with your motor trade business, keeping you compliant, protected and operational at all times.

Who Needs Trade Plate Insurance?

Trade plate insurance is essential for anyone who regularly drives vehicles in the UK that are in your possession temporarily.

This includes: 

  • Delivery agents transporting vehicles over long distances.
  • Traders who routinely move vehicles temporarily in your possession.
  • Car dealers offering test drives using stock vehicles.
  • New businesses and part-time traders.

What Does a Trade Plate Insurance Policy Cover?

Tradex’s car delivery insurance can be tailored to your bespoke needs. As part of a motor trade insurance policy, we can cover all of your buying / selling, delivery and storage risks, with your trade plates considered a part of your policy.  

Trade plate numbers must be disclosed to us for entry on the MID, and cover on these excludes social, domestic and pleasure use.  Trade plate insurance covers you for the movement of non-registered and taxed vehicles. 

If you require social, domestic and pleasure use, we can provide this on your permanently owned vehicles. We can also include office, premises and storage cover as part of a comprehensive package. 

We can arrange Public and Employers' Liability insurance, and can provide cover even if it is a new venture. 

GET QUOTE
  • Full Road Risks delivery by Transporter, Trailer or Trade plate.
  • Spouse and family can be included.
  • Storage of vehicles, Freight forwarding or dovetailing your liabilities as a sub-contractor of a National Recovery organisation.
  • Engineering Inspection and Breakdown.
  • Own vehicle, fleet and speciality lifting gear.
  • UK/Europe or worldwide as cargo.
  • Bonus Booster available. For drivers without an existing no-claims bonus, our Bonus Booster offers a six-month short-term policy designed to help you build your own no-claims history. After six months of claim-free driving, you can then use this newly earned no-claims discount with us on a full-term annual policy.

Do I Need Public Liability With My Trade Plate Insurance?

Public liability should be considered if your work involves vehicle handovers, customer or supplier visits, premises access, or subcontracting, as it protects you if someone is injured or property is damaged. Employers’ liability is legally required if you hire staff. 

Get a Quick Trade Plate Insurance Online Quote

Getting covered is fast and effortless. 

Call 0333 313 111 to speak with a specialist who can guide you step by step.

We compare options, simplify the process, and work with you to you get the right cover; quick, easy, and backed by expert support.