Monthly Archives: April 2019

A Guide to Motor Trade Insurance

Any motor trade business in the UK needs to have the right type of insurance. Below is a guide to the different types of traders insurance you can get as well as some ways to save money.

Types of cover

  • Road risks – Road risks is a very important type of cover for motor trade businesses. No matter what type of business you run, you’ll need to be dealing with different vehicles all the time, whether you’re fixing them, modifying them or buying and selling. You need to be covered for any unforeseen accidents that might occur and this is what road risk insurance is for.
  • Liability claims – Liability claims are a considerable risk for business owners so it’s always essential that you have cover for them. The two forms of liability insurance you’ll typically find in a UK motor traders insurance policy are public liability insurance and employers’ liability insurance.
  • Legal expenses – Having liability cover in your policy isn’t always enough. Not all liability claims are legitimate and in the event you need to fight one in court, you want to be sure you can afford the legal expenses. This is why many motor trade business owners choose to get this included in their policy.
  • Combined motor trade insurance – A combined motor trade insurance policy providers a comprehensive type of cover for motor trade businesses. It include cover for road risks, liability claims, premises, tools, stock and cash.

How to save money

Below are some great ways to save money on motor trade insurance

  • Get a lot of quotes – Getting quotes from many different insurance providers is a great way to save money on traders insurance since it will allow you to make an informed decision when taking out a policy.Luckily it’s now incredibly easy to get motor trade insurance quotes by using a site such as traders insurance cover service.
  • Make premises secure – Another step you can take to reduce the cost of motor trade insurance is to make your premises secure. This means having good locks on doors and windows, having perimeter control measures and using security lighting and CCTV cameras. You might also consider installing blinds in your office to reduce the chance of theft and improve privacy. You can get blinds for bi fold doors as well as traditional wooden blinds for windows – both of which help to improve privacy.
  • Pay upfront – Paying for a motor trade policy upfront is an often overlooked way to save money on traders insurance. Although a lot of business owners opt to pay monthly to help spread the cost, you can save a good deal of money by paying annually.

Is a Thatched Roof Property Suitable If You Have a Disability?

Thatched roof properties have a unique style and character that’s impossible to replicate and are often located in very desirable areas, which is why so many people dream of owning one.

If you’re considering buying a thatched roof property and have a disability then you might be worried that it won’t be suitable.

Below are some of the main things to consider with a thatched roof property –


If you have a disability that limits your movement then accessibility is going to be an obvious concern. There are a lot of thatched roof properties that are bungalows, which of course removes the worry of getting up and down the stairs. Most properties are also easily accessible via the front or back door so there isn’t anything in particular that would pose a concern compared to a regular property.

There are also steps you can take to improve accessibility, such as getting bifold blinds rather than curtains. If you suitable doors, then it’s also important to pick the right bifold door blinds.

Roof maintenance

If you have a thatched roof property then you’d need to make sure the roof is properly maintained. Although the roof itself will last a long time, it will need to be inspected/repaired every 8-10 years. For this reason it’s important to find out when the roof was last inspected when purchasing a thatched property.

Is the property listed?

There are some thatched roof properties that are listed buildings. A listed building is one that is considered to be of significant historical or cultural value. The reason it’s important to know if a property you’re considering is listed is because it will affect whether you’re able to have any structural work carried out on it. If you wanted to have work carried out that would affect the exterior appearance or structure of the property then you’d need to obtain permission from the local council.

Getting the right type of insurance

When you have a thatched roof property, you’ll need to get the right type of insurance. Regular home insurance usually isn’t suitable due to the cost and expertise required to repair/replace a thatched roof. Because of this you’ll want to get quotes from a site such as Thatch roof home insurance.

Chimney cleaning

Having the chimney cleaned regularly is vital when you have a thatched roof property. One of the biggest hazards of owning a thatched roof home is the risk of fire. If a fire were to break out due to to a poorly cleaned chimney then it can spread extremely quickly and cause total damage.