Trade plate insurance is essential for businesses that move vehicles without registering them. Whether you’re collecting, delivering, demonstrating or road testing, we’ll help you stay protected and compliant.
Trade plate insurance
Trade plate insurance helps you stay compliant and protected while moving unregistered vehicles on the road for business purposes.
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Flexible cover for motor traders and vehicles movers
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Fast quotes and expert support
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Trusted by businesses across the UK
Specialist cover
Tailored policies for motor traders, valets, repairers and vehicle movers.
Fast and flexible
Quick quotes and adaptable cover to suit your business.
Expert support
Our team understands your everyday and helps you get it right.
Effortless experience
We make insurance simple, so you can focus on your work.
We’re here...
For every move
Insurance that covers you for every journey.
For every MOT
Protection for trips to testing stations or body shops.
For every auction
Cover for moving vehicles to and from dealer premises.
For every demonstration
Insurance for showing vehicles to potential buyers.
What does trade plate insurance cover?
Trade plate insurance typically sits under the road risks section of a motor trade policy. It covers the use of trade plates for business purposes.
Cover for road risks
Includes driving vehicles with trade plates for business use.
Flexible driver options
Policies can be tailored to named drivers or any driver basis.
MID compliance
Support with Motor Insurance Database (MID) updates.
Licence-based usage
Cover applies only when operating within licence boundaries.
How do trade plate insurance claims work?
When you need to make a claim, we’ll guide you through the process and get things sorted quickly.
Find your policy documents and have your policy number ready
Call our claims team and explain what happened
Provide any requested documents or photos
We’ll handle the rest
What our customers are saying
Trade plate insurance FAQs
Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about trade plate insurance cover to support you every step of the way.
Trade plates are temporary registration plates issued by the Driver and Vehicle Licensing Agency (DVLA) that allow businesses to drive unregistered vehicles legally on public roads.
They’re typically used for vehicle collection and delivery, road testing, demonstration, dismantling, and moving vehicles to auctions or testing stations.
Trade plates save time and cost by removing the need to register every vehicle individually, but they must only be used for the business activities permitted under your trade licence.
Trade plate insurance is designed for businesses that regularly move vehicles as part of their operations. This includes motor traders, manufacturers, repairers, body shops, MOT testing stations, valets, accessory fitters, finance companies, leasing firms and vehicle collection agents.
If your business temporarily possesses vehicles for delivery, testing or demonstration, you’re likely eligible.
Yes. Some insurers require the trade plate registration number to be listed on your MID records, while others simply expect it to be recorded. Keeping your MID up to date is essential for compliance and ensures your insurance remains valid when using trade plates.
Trade plate insurance is usually included under the road risks section of a motor trade policy. It’s not typically sold as a standalone product, but we’ll help you find the right cover setup for your business. The policy will reflect the drivers, limits and usage outlined in your road risks cover.
Trade plates must be used strictly for the business activities they were issued for. Insurance cover is only valid when you operate within the terms of your trade licence. Misuse of trade plates, such as using them for personal errands or outside permitted business activities, can invalidate your insurance and breach legal requirements.