Towergate Motor Trade: Your Guide to Specialized Insurance for Automotive Professionals

Posted by Presiden 2020 February 12, 2024 Post a Comment

In the dynamic realm of the automotive industry, where vehicles and mechanics dance in sync, Towergate Motor Trade emerges as a beacon of protection, safeguarding the interests of professionals who make the automotive world go round.

Towergate, a recognized name in the insurance panorama, has meticulously crafted this specialized policy to cater to the unique needs of motor trade businesses, offering an array of benefits tailored to keep them safeguarded and at ease.

Unravel the intricate details of Towergate Motor Trade insurance and discover how it shields automotive professionals from potential risks, paving the way for a smoother and more secure business operation.

towergate motor trade

Safeguarding automotive businesses with specialized insurance.

Tailored coverage for motor trade professionals
Protection against various risks and liabilities
Liability insurance for customer vehicles
Cover for tools and equipment
Business interruption insurance
Legal expenses cover
Flexible policy options
Competitive premiums
Unrivalled customer service
Peace of mind for business owners

Towergate Motor Trade insurance: The ultimate shield for automotive professionals.

Tailored coverage for motor trade professionals

Towergate Motor Trade insurance recognizes that every automotive business is unique, with its own specific set of requirements. That's why we offer a range of flexible policy options that can be customized to suit your individual needs.

Comprehensive vehicle cover:
Protect your vehicles against a wide range of risks, including accidental damage, theft, and fire.
Liability insurance:
Safeguard yourself against claims for injury or property damage caused to customers or members of the public.
Tools and equipment cover:
Ensure your valuable tools and equipment are protected against loss or damage, whether on your premises or at a customer's site.
Business interruption cover:
Protect your business against financial losses incurred as a result of an interruption to your operations, caused by an insured event.

With Towergate Motor Trade insurance, you can rest assured that your business is in safe hands, allowing you to focus on what you do best – delivering exceptional service to your customers.

Protection against various risks and liabilities

The motor trade industry is inherently risky, with potential liabilities lurking around every corner. Towergate Motor Trade insurance provides comprehensive protection against a wide range of risks, giving you peace of mind and allowing you to operate your business with confidence.

Public liability insurance:
Protect yourself against claims for injury or property damage caused to members of the public, such as customers or passersby.
Employers' liability insurance:
Safeguard your business against claims from employees who suffer an injury or illness as a result of their work.
Product liability insurance:
Cover yourself against claims for injury or damage caused by a product you have sold or supplied.
Legal expenses insurance:
Provide financial protection for legal costs incurred in defending a legal claim against your business.

With Towergate Motor Trade insurance, you can rest assured that you are protected against a multitude of risks and liabilities, allowing you to focus on running your business without the fear of financial ruin.

Liability insurance for customer vehicles

When you take a customer's vehicle into your care, you assume a significant responsibility for its safety and well-being. Towergate Motor Trade insurance provides comprehensive liability insurance to protect you against claims for damage to or loss of customer vehicles while in your possession.

Our liability insurance covers a wide range of scenarios, including:

Accidental damage caused by your employees or agents
Theft of the vehicle while it is in your care
Fire or explosion damage to the vehicle
Damage caused by a third party while the vehicle is on your premises

We understand that your customers' vehicles are often their most prized possessions, and we are committed to providing the highest level of protection for them. With Towergate Motor Trade insurance, you can rest assured that you are covered in the event of any mishap, giving you and your customers peace of mind.

In addition to the above, our liability insurance also covers the following:

Legal costs incurred in defending a claim
Loss of earnings if your business is interrupted as a result of a claim
Compensation for personal injury to a customer or member of the public caused by your business activities

With Towergate Motor Trade insurance, you can be confident that you are fully protected against all types of liability claims, allowing you to focus on running your business without worry.

To learn more about our liability insurance for customer vehicles, or to get a quote, please contact us today.

Cover for tools and equipment

As a motor trade professional, your tools and equipment are essential to your livelihood. Without them, you wouldn't be able to carry out your work and earn a living. That's why Towergate Motor Trade insurance provides comprehensive cover for your tools and equipment, both on and off your premises.

Our tools and equipment cover includes:

Cover for loss or damage to your tools and equipment caused by fire, theft, accidental damage, or malicious damage
Cover for the cost of replacing or repairing your tools and equipment if they are damaged or lost
Cover for the cost of hiring replacement tools and equipment if yours are lost or damaged

We understand that your tools and equipment are often specialized and expensive to replace, which is why we offer flexible cover limits to suit your individual needs. You can also choose to add optional cover for items such as laptops, mobile phones, and diagnostic equipment.

With Towergate Motor Trade insurance, you can be confident that your tools and equipment are protected, giving you peace of mind and allowing you to focus on running your business.

Here are some examples of how our tools and equipment cover can help you:

If your toolbox is stolen from your van, we will cover the cost of replacing your tools.
If your diagnostic equipment is damaged in a fire, we will cover the cost of repairing or replacing it.
If your laptop is lost or damaged, we will cover the cost of replacing it and any data that was lost.

With Towergate Motor Trade insurance, you can be sure that you are fully protected against the loss or damage of your tools and equipment.

To learn more about our cover for tools and equipment, or to get a quote, please contact us today.

Business interruption insurance

A sudden and unexpected event, such as a fire, flood, or theft, can bring your business to a standstill, resulting in a loss of income and potential financial ruin. Towergate Motor Trade insurance offers comprehensive business interruption insurance to protect your business against financial losses incurred as a result of an insured event.

Our business interruption insurance covers:

Loss of income
Additional expenses incurred as a result of the interruption, such as the cost of hiring temporary premises or equipment
Loss of profits
Increased cost of working, such as the cost of overtime or hiring additional staff

We understand that every business is different, which is why we offer flexible cover limits and policy options to suit your individual needs. You can choose the level of cover that is right for your business, and you can also add optional cover for items such as loss of attraction and reputational damage.

With Towergate Motor Trade insurance, you can be confident that your business is protected against the financial impact of an interruption, giving you peace of mind and allowing you to focus on getting your business back up and running as quickly as possible.

Here are some examples of how our business interruption insurance can help you:

If your garage is damaged by a fire, we will cover the cost of your lost income while your garage is being repaired or rebuilt.
If your premises are flooded, we will cover the cost of additional expenses incurred, such as the cost of hiring temporary premises.
If your business is interrupted by a theft, we will cover the cost of lost profits and increased cost of working.

With Towergate Motor Trade insurance, you can be sure that your business is fully protected against the financial consequences of an interruption.

To learn more about our business interruption insurance, or to get a quote, please contact us today.

Legal expenses cover

Legal disputes can be costly and time-consuming, even if you are innocent of any wrongdoing. Towergate Motor Trade insurance provides comprehensive legal expenses cover to protect you against the financial burden of legal fees and expenses.

Our legal expenses cover includes:

Legal fees and expenses incurred in defending a legal claim against your business
Legal fees and expenses incurred in pursuing a legal claim against a third party
Compensation for loss of earnings if you are unable to work due to a legal dispute
Legal advice and assistance from a panel of expert solicitors

We understand that legal disputes can be complex and stressful, which is why we offer flexible cover limits and policy options to suit your individual needs. You can choose the level of cover that is right for your business, and you can also add optional cover for items such as employment disputes and tax investigations.

With Towergate Motor Trade insurance, you can be confident that you are protected against the financial and emotional costs of a legal dispute, giving you peace of mind and allowing you to focus on running your business.

Here are some examples of how our legal expenses cover can help you:

If you are sued by a customer for negligence, we will cover the cost of your legal fees and expenses.
If you are involved in a dispute with a supplier, we will cover the cost of legal advice and assistance.
If you are unable to work due to a legal dispute, we will cover the cost of your lost earnings.

With Towergate Motor Trade insurance, you can be sure that you are fully protected against the financial consequences of a legal dispute.

To learn more about our legal expenses cover, or to get a quote, please contact us today.

Flexible policy options

Towergate Motor Trade insurance understands that every business is different, which is why we offer a range of flexible policy options to suit your individual needs. You can choose the level of cover that is right for your business, and you can also add optional cover for items such as:

Motor legal protection
Personal accident cover
Cyber liability insurance
Environmental liability insurance
Directors' and officers' liability insurance

We also offer a variety of policy excesses to choose from, so you can tailor your policy to suit your budget. And, because we understand that your business may change over time, we offer flexible policy terms, so you can easily adjust your cover as your business needs change.

With Towergate Motor Trade insurance, you can be confident that you have the right level of cover for your business, at a price that you can afford.

Here are some examples of how our flexible policy options can help you:

If you have a small business, you can choose a policy with a lower level of cover, and add optional cover for the items that are most important to you.
If you have a larger business, you can choose a policy with a higher level of cover, and add optional cover for items such as directors' and officers' liability insurance.
If you are on a tight budget, you can choose a policy with a higher excess, which will lower your premium.

With Towergate Motor Trade insurance, you can be sure that you have a policy that is tailored to your individual needs and budget.

To learn more about our flexible policy options, or to get a quote, please contact us today.

Competitive premiums

At Towergate Motor Trade insurance, we understand that cost is an important factor when choosing an insurance policy. That's why we offer competitive premiums that are designed to be affordable for businesses of all sizes.

We are able to offer competitive premiums because we have a strong understanding of the motor trade industry and the risks that businesses face. This allows us to accurately assess the level of risk associated with your business and to price your policy accordingly.

We also offer a variety of discounts to help you save money on your premium, such as:

No claims discount
Multi-policy discount
Loyalty discount
Professional association discount

We also offer a variety of payment options to make it easy for you to pay your premium. You can choose to pay your premium in monthly installments, or you can pay it in full upfront. We also offer a variety of payment methods, including credit card, debit card, and bank transfer.

With Towergate Motor Trade insurance, you can be confident that you are getting a competitive premium on your motor trade insurance policy.

Here are some examples of how our competitive premiums can help you save money:

If you have a good claims history, you may be eligible for a no claims discount of up to 20%.
If you have multiple policies with us, you may be eligible for a multi-policy discount of up to 15%.
If you have been a customer of Towergate for a long time, you may be eligible for a loyalty discount of up to 10%.

With Towergate Motor Trade insurance, you can be sure that you are getting the best possible value for your money.

To learn more about our competitive premiums, or to get a quote, please contact us today.

Unrivalled customer service

At Towergate Motor Trade insurance, we pride ourselves on providing our customers with unrivalled customer service. We understand that when you need to make a claim, you want to be able to do so quickly and easily. That's why we have a dedicated team of claims handlers who are available 24/7 to help you with your claim.

Our claims handlers are experienced and knowledgeable, and they will work with you to settle your claim as quickly and efficiently as possible. We also have a network of approved repairers who can help you get your vehicle back on the road as soon as possible.

In addition to our claims handling service, we also offer a range of other customer service benefits, such as:

A dedicated account manager who will be your main point of contact for all your insurance needs
A 24/7 helpline for any questions or queries you may have
A range of online services, such as online quote and policy management
A commitment to providing a fast and efficient service

With Towergate Motor Trade insurance, you can be confident that you will receive the highest level of customer service.

Here are some examples of how our unrivalled customer service can help you:

If you need to make a claim, you can call our dedicated claims line 24/7 and speak to a claims handler who will help you with your claim.
If your vehicle is damaged in an accident, we can arrange for it to be repaired by one of our approved repairers, who will get your vehicle back on the road as soon as possible.
If you have any questions or queries about your policy, you can call our 24/7 helpline and speak to a customer service representative who will be able to help you.

With Towergate Motor Trade insurance, you can be sure that you will receive the best possible customer service.

To learn more about our unrivalled customer service, or to get a quote, please contact us today.

Peace of mind for business owners

Running a motor trade business can be a risky venture. There are many potential hazards that can threaten your business, such as fire, theft, accidents, and legal disputes. Towergate Motor Trade insurance provides comprehensive coverage to protect your business from these risks, giving you peace of mind and allowing you to focus on running your business.

With Towergate Motor Trade insurance, you can be confident that:

Your vehicles are protected against damage or loss
Your tools and equipment are protected against theft or damage
Your business is protected against interruption due to a covered event
You are protected against liability claims from customers or members of the public
You have access to a team of experienced claims handlers who will help you settle your claim quickly and efficiently

With Towergate Motor Trade insurance, you can rest assured that your business is in safe hands, allowing you to focus on what you do best – delivering exceptional service to your customers.

Here are some examples of how Towergate Motor Trade insurance can give you peace of mind:

If your garage is damaged by a fire, Towergate Motor Trade insurance will cover the cost of repairs or rebuilding, so you can get your business back up and running as soon as possible.
If your tools are stolen from your van, Towergate Motor Trade insurance will cover the cost of replacing them, so you can continue to work without interruption.
If you are sued by a customer for negligence, Towergate Motor Trade insurance will cover the cost of your legal defense and any damages that are awarded against you.

With Towergate Motor Trade insurance, you can be confident that you are protected against the unexpected, giving you peace of mind and allowing you to focus on running your business.

To learn more about how Towergate Motor Trade insurance can give you peace of mind, or to get a quote, please contact us today.

FAQ

Our FAQ section is designed to answer some of the most common questions people have about insurance. If you have a question that is not answered here, please contact us and we will be happy to help.

Question 1: What is insurance?
Answer: Insurance is a contract between an insurance company and an individual or business, in which the insurance company agrees to provide financial protection against a specified loss, damage, or liability.

Question 2: Why do I need insurance?
Answer: Insurance protects you from financial loss in the event of an unexpected event, such as a car accident, a fire, or a theft. It can also provide coverage for liability claims, such as if someone is injured on your property.

Question 3: What are the different types of insurance?
Answer: There are many different types of insurance available, including auto insurance, home insurance, health insurance, life insurance, and business insurance. Each type of insurance provides coverage for a specific type of loss or liability.

Question 4: How much insurance do I need?
Answer: The amount of insurance you need will vary depending on your individual circumstances and needs. It is important to talk to an insurance agent to determine the right amount of coverage for you.

Question 5: How do I file an insurance claim?
Answer: If you need to file an insurance claim, you should contact your insurance company as soon as possible. The insurance company will provide you with instructions on how to file a claim and what information you will need to provide.

Question 6: What if my insurance claim is denied?
Answer: If your insurance claim is denied, you can appeal the decision. The insurance company will provide you with information on how to appeal the decision. You may also want to contact an insurance attorney to help you with your appeal.

Question 7: How can I save money on insurance?
Answer: There are a number of ways to save money on insurance, such as bundling your policies, increasing your deductible, and taking advantage of discounts. You can also shop around for the best rates by getting quotes from multiple insurance companies.

Closing Paragraph for FAQ

These are just a few of the most common questions people have about insurance. If you have any other questions, please contact us and we will be happy to help.

Now that you know more about insurance, you can start taking steps to protect yourself and your loved ones. Check out our tips section for more information on how to get the most out of your insurance policy.