Motor Trade Insurance FAQs | Motor Trade Direct


At Motor Trade Direct we make finding competitively-priced motor trade insurance policies as easy as possible. However, at the same time we understand that our customers will have questions every now and again, which is why we have put together this handy FAQ section.
Here you will find answers to some of the most common questions asked about motor trade insurance and insurance policies. If you can’t find what you need here, make sure you give one of our friendly insurance advisors a call on 01527 593 871 and they will be more than happy to help.

How do I obtain my licence check code?

You’ll need to have your driving licence, National Insurance number and postcode to hand. You can access the website by clicking here now and following the instructions.

How do I update vehicles on my Motor Insurance Database (MID)?

Please refer to your policy documents for instructions on this as each Underwriter is different. If you are in any doubt, please email with your policy details and details of the vehicles you wish to update.

How do I report a claim?

Please call 01527 758352 and a member of our claims team will be able to assist you.

How do I return the requested documents?

You can return any documents to us via email at Please ensure you put your full name and policy number or address within the email.

Alternatively you can return any documents to us via post at this address...

Motor Trade Direct, Fresh Insurance Group Ltd, Ladybird Suite, Burnt Meadow Road, North Moons Moat Industrial Estate, Redditch, B98 9PA.

Again please ensure you provide your full name and address or policy number within the paperwork.

When will I get my certificate?

Once we have received and verified all the documentation requested by your Underwriters at the start of your policy your annual certificate of insurance will be issued.

Can I drive my family/spouse's/friend's vehicles?

No. As a motor trader you are only entitled to drive “any motor vehicles owned by you or in your custody or control for motor trade purposes”

Do I still get 14 days to add vehicles to the MID?

No. The Underwriters now state all vehicles must be added to the Motor Insurance Database immediately once you have purchased them.

Do I have a 14 day “cooling off” period?

Yes. However you will still be charged for the time you have been insured and any additional products you have purchased would be non-refundable. You would also be charged a cancellation fee if applicable.

How long do I get to return my documents to you?

The maximum amount of time we can allow for documentation to be returned to us is 21 days. After this the cancellation procedure will begin.

What is “proof of trading?”

A motor trade policy is a business policy to insure sole traders, business partnerships and limited companies who deal in the motor industry. As a business, you are required to keep all evidence of proof of trading such as purchase receipts, sales receipts, parts receipts, invoices, auction house memberships, stock books and company accounts. The Underwriters of your policy may request this at any time.