Finding insurance details of car trader

Mildly_Miffed

Trade plates provide temporary plates for cars that are unregistered and/or untaxed-and-tested.

The car must be roadworthy.
The trader must have insurance.

So the actual plate on the car is irrelevant. The trade plate is the one that matters.

facade

https://forums.moneysavingexpert.com/discussion/comment/81861308#Comment_81861308

The trader's insurance must cover the car that the trade plates are on, so the registration of the car is relevant (and the purpose for which it was being driven).

Unless the trader has "any unspecified vehicle bearing trade plate XXXXX" cover (a recovery business would have something like this), motor traders have to add vehicles that they acquire to their policy for them to be covered. (As seen on "Police! Shock Horror Deathchase!" programmes when they stop 17 year olds driving Golf GTIs on their friend's trader policy but the car is not actually covered by it)

(Which is 100% of what I know about trader insurance..)

I don't know if Article 75 would apply if the car should be added and wasn't. (I presume not)

sultan123

Car insurance company say there is excess to pay for damages and it will be recovered from 3rd party.

If my policy has motor legal expenses cover noted on the policy does this mean excess has to be paid?

I worry if car insurance company do not sort this out and they come back later saying they could not recover money from traders insurance?

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81862647#Comment_81862647

Yes, excess has to be paid unless the insurer is willing to waive it but thats purely at their discretion.

Having LE cover means they should appoint someone to assist you in recovering your uninsured losses of which your excess is a prime example but would also include compensation for injury, hire car/loss of use if such isnt covered by your policy, loss of earnings, and any other out of pocket expenses.