The Minder Policy

For those Bona-Fide traders whose income is derived from handling ‘customers vehicles’ this is the ideal policy tailor made for you.

• Mechanical, Servicing, Repair of customer’s vehicles from a workshop/ mobile repair or the customer’s site.
• Valeting from premises, Mobile, Car Parks or customers premises.
• Breakdown/ Recovery, Delivery, Collection within UK/ Continent.
• Storage, Renovations of customers’ vehicles.
• Freight Forwarders/ Delivery / Collection around the world.
• Auctioneers / Liquidators / snatch back agents /Car Clamping Companies.
• Car Parks, Valet Parking, ‘Get you Home’ Service, Chauffeuring Services of customers’ vehicles.
• Haulage, Taxi Fleets, Own service Bays, moving Laid up or Broken down vehicles.

Our Motor Trade “Minders Policy” includes:

Own Vehicles: Permanently owned vehicles, cars, vans, trucks, Motor Cycles, Horse boxes, Motorised caravans, race vehicles carriers and a lot more. These vehicles must be disclosed to the MID (you can use our unique texting facilities.) Vehicles disclosed to the MID enjoy 24 hours cover irrespective of garaging arrangements and full retail value if that is how the vehicle was purchased.

Customers Vehicles: The holding of customer’s vehicles in your custody or control is not without responsibility whether held as a “Bailee for Reward” or under a “contract of work” you have to ensure that your “Terms of Trade” are adequately communicated to the customer before you take possession of their vehicle. At Clegg Gifford we can help you with your terms of trade. And can supply specimen wordings, entrustment notes which help you to establish your rules of engagement.

Remember the clearer the parties responsibility the easier and quicker the claims settlement. Get it right beforehand!

Extensions to Minder Policy:

Premises Cover
Your own workshop:

• Buildings
• Plant and equipment, portable tools
• Stock
• Office equipment, Computers, telephones, PDQ Machines
• Money / Keys/ Mot Certificates
• Consequential Loss / Loss of income
• MOT Station – loss of income
• Liabilities: Public liability, Products, Defective workmanship
• Service Indemnity / Professional Indemnity
• Employers Liability. Full time/ casual and Part-time employees
• Vehicles coverage at your premises, sub- contractors (specified or unspecified), vehicles in transit – home and abroad
• Engineering insurance and inspection of plant and equipment
• Legal expenses insurance, Uninsured loss recovery, Personal Injury, Motor prosecutions, contract disputes with customers and suppliers
• Breakdown on specified vehicles basis (permanently owned vehicles) or on a named driver but unspecified vehicle basis
• Terms of Trade with customers; specimen wordings for Bill headings, Wall notices, Invoices + estimates and entrustment receipts for keys