We have been arranging fleet and motor trade insurance for nearly 30 years. We have a wide variety of insurers and products to meet your insurance needs.
Motor Trade Insurance
We have been arranging Motor Trade insurance for over 25 years. From repairers to main franchised dealerships, at IFM Select we have the in-depth knowledge to provide you with exactly what you need.
We are fully aware that there are many insurance brokers who offer Motor Trade Insurance, but do they all really understand the subtle differences in the cover that can mean the difference between having a claim covered or not? Talk to us at IFM Select, we can provide you with a quotation to cover the bespoke requirements of your Motor Trade business.
We only use insurers who meet our required standards, including financial security. If you are in the Motor Trade and require insurance, get in touch.
Fleet Insurance
Running a fleet of company vehicles is expensive. Factor in the insurance cost, and this becomes an important area of your business that you need to get right. We endeavour to provide quality, competitively priced fleet insurance. This may include introducing driver training to a fleet with poor claims experience, or helping with occupational road risks requirements for companies looking to improve their fleet management.
We understand fleet insurance, whether you are an established haulage operator or a new business with a few company vehicles looking for the best way to insure your cars and vans. Speak to us at IFM select to discuss how we can help provide the best value for money fleet insurance for your business.
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As insurers start to look very closely at their premiums, it’s likely that many companies will start to see premium increases. At IFM we have many years experience working with fleet and motor trade clients on risk management measures that can be taken to keep claims costs at a minimum and in turn keep premiums competitive.
Why not talk to us to see how we can help you keep your premiums and claims frequency as low as possible, which saves both time and money.
Motor Trade
Motor TradeA. The majority of motor trade insurance policies will only allow you to drive any car for business, the business description being noted on your policy. The social domestic and pleasure use will be restricted to vehicles you own.
A. Most policies give the option to add employees for social use. Younger drivers will usually be restricted on the type of vehicle they can drive, but it’s important to note that standard policies will not cover employees for driving their own vehicles for social purposes. The vehicles must be owned by the policyholder.
A. Most insurers will allow directors to add their cars for SD&P use. These should be specifically noted and agreed by insurers, as the standard policy wording will only cover vehicles owned by the policyholder. As many policies are in the name of a limited company, social use is only provided for vehicles owned by the limited company and not the directors, hence they need to be specifically noted and agreed, and insurers may impose driving restrictions.
A. If you have a combined motor trade insurance policy that includes Public liability then it should have a defective work extension. This is designed to cover any injury or damage caused by the defective work. For example if a wheel is not secured properly after being removed and causes an accident, the garage may be held liable for the damaged car and any other damage or injury caused. The policy would not generally cover the cost to rectify the original faulty work done.
A. It may sound too simple, but the fact is, reducing the amount and value of claims will have the biggest impact on premiums. We have a range of solutions that can help you achieve this and in turn demonstrate to potential insurers that you are serious about how you manage your fleet. Insurers are increasingly looking for proactive companies who actively manage their fleet risks. Why not talk to us about how we can help you do this.
A. Some insurers will provide a fleet policy for a business that has 2 or more vehicles.