Car traders insurance

Mercdriver

Very dark.  Must be chocolate flavoured custard.

sweetsand

Mercdriver said:

Very dark.  Must be chocolate flavoured custard.

What?

waamo

Mercdriver said:

Why are you so interested in trader policies? Seems to be a dark art.  

Does it Matter?

Scrapit

Herzlos said:

suki1964 said:

Mercdriver said:

Why are you so interested in trader policies? Seems to be a dark art.  

Because on another thread elsewhere, I explained my husband was a PT trader ( classics mostly ) so had traders insurance and she decided not to believe me and come here to ask the ins and outs, no doubt to come back to the original thread to try to belittle me

Because nobody buys and sells more cars then her

Multiple accounts? I'm confused.

With only 4 cars, and changing 1 a year, it really doesn't seem worth the hassle getting traders insurance. Any insurer with a multi-car setup would work, and with the online portals you can generally change car pretty quickly with minimal cost overheads.

If you were changing cars every few months, then maybe.

The new prolific poster has got themselves confused and stated something as fact on a thread that has nothing to do with them. Suki responded there and the new poster was told to post here, which they did. They then did some slightly off googling and used that as evidence for their earlier statement which suki and others rebutted there and now here. 
Can you tell the soaps are off the telly?

MinuteNoodles

Trade plates are issued by DVSA for business use only. Get caught using them to take your family on a trip to visit relatives or the wife to do the shopping and DVSA will revoke those plates and take them back.

Mercdriver

sweetsand said:

Mercdriver said:

Very dark.  Must be chocolate flavoured custard.

What?

ever owned a Mazda RX8?

sweetsand

MinuteNoodles said:

Trade plates are issued by DVSA for business use only. Get caught using them to take your family on a trip to visit relatives or the wife to do the shopping and DVSA will revoke those plates and take them back.

So let us be clear - when referring to a 'trad plate' this itself is only required on like EG dealer cars where they may not be taxed so you put on that funny, trade plate hanging off the back of the car and front window. However, if car is mot and taxed, you don't have to hang one of these plates but if stopped by police you can show them tell them re trde plates. Where they could get caught out is driving to the shops full of shopping and/or your OH and an officer with the knowledge re trade plates stops you and hopefully will fine and report you for misuse of plates - am I right?

Another helpful poster here stated that there is something called "fleet policy" where you have more than 2 cars at one address belong to the same person/family and everyone could drive it as named drivers - my OH will look into that when they have time - I've done a bit of Google it is there and the word "fleet" makes you think dozens if not hundreds of cars but most mean more than two cars at the address as mentioned above.

Thanks all as I've learnt a lot and from that we do not qualify for 'trade plates' as we are not really trading for business but just have 4 cars where at least one of them is changed approx every 10 to 12 months

Mercdriver

It's so dark it's like we are in a tunnel.  Changing top end cars every 10 - 12 months.  Not by the hair of my chinny chin chin...

Grumpy_chap

williamgriffin said:

sweetsand said:

ps = we have 4 cars at our address - VW R type, S class, Range Rover and 911 

Some forums would call for a custard test. 

Mercdriver said:

Why are you so interested in trader policies? Seems to be a dark art.  

Mercdriver said:

Very dark.  Must be chocolate flavoured custard.

This forum is getting very hard to read and very "cliquey" with an odd code that users are not willing to share.  It is certainly not meaningful English - we might as well just put posts with any random word wherever we feel like.

Sausages!

The OP states they have 4 cars and sell / buy 1 car each year.  There could very easily be 4 or more adults in the household, so that would equate to each driver having a car and swapping out every 4 years or so, which would be reasonable.

Back to the OP's question, a fleet motor-trader policy is not suitable unless operating a genuine motor trade business (which the OP does not appear to be.  The OP could consider 'consumer' multi-car policies if they wished to.

Baked Beans!

Mercdriver

There once was a poster called Darkmatter.  He got banned but phoenixs back often with multiple usernames all at the same time.  The site rarely does anything about users using different alter egos, in fact sanction those that challenge those with multiple usernames.  He always stands out because he always has top end or unusual cars.  The custard test is something to prove he has the cars in the first place.  

Is this poster DM?  Not sure - possibly.  He owns several specialist high end cars yet appears to know next to nothing about insurance without googling.  If I had 4 high end cars like that, I would be very good friends with a good broker so wouldn't be interested in using back street ways into trader plates.  Because of the work I do, I use a broker.  

You might ask what the harm is.  Well he tends to give advice as if he is an expert and following some of the advice would not be great for people if they took him at his word.