▸ Insurance · UK Network
motortraderinsure.com is built for the trade side of UK vehicle data. The same lookups that sit behind retail checks, exposed at a pace that suits a forecourt or auction lane rather than a customer reading on a phone. Motor trade insurance for UK dealers, mechanics and detailers. Road risk and combined trade policies. Read on for what each finding means in practice and where a check stops being enough on its own.
Data sourced from DVLA, MIAFTR, contracted stolen-vehicle data and the UK lender register at lookup time.
Typical lookup completes in under one second from the UK.
Built and supported in the UK as part of the trade-facing side of the network.
Carrying paying passengers, delivering goods for a third party or moving customer vehicles all need specific cover; ordinary social, domestic and commuting policies exclude them outright. Motor trade policies and hire-and-reward cover are separate products, and using the wrong one leaves you uninsured at the point of claim.
Telematics-priced policies use a device or app to record speed, braking, cornering and time-of-day patterns. They can substantially reduce premiums for younger or new drivers, but they also penalise driving patterns the underwriter rates as high-risk — late-night journeys, motorway driving above 70mph and short, sharp braking events. Worth understanding before you take the policy.
Run the first check before you travel, so a wasted trip costs nothing. Run a second on the day of collection, because finance can be drawn down, a theft report filed or a plate transferred in the days between viewing and handover. Two lookups on either side of a week-long negotiation catch changes a single check cannot.
/ Brand consolidation
If you've used motortraderinsure.com before for a quick UK insurance quote, the same service now runs as Expert Car Check. The data sources are unchanged: DVLA's vehicle record, DVSA's MOT history, MIAFTR for write-offs, contracted UK data providers for stolen-vehicle markers and the UK lender register for outstanding finance. The team and the support contact are the same. What's changed is that the work that was previously spread across several smaller brands now sits in one place, which keeps response times tight and the underlying registers maintained against current DVLA schemas. Bookmarks and historic links to motortraderinsure.com continue to resolve here. If you were referred to motortraderinsure.com by a previous report, broker or print listing, this is the right page — there is no further redirect to chase.
Visit expertcarcheck.com →/ Common questions
Yes. Standard 'social, domestic and pleasure' or 'commuting' cover does not include carrying paying passengers or delivering parcels for any third party. Hire-and-reward cover is required by law.
Sometimes. Some annual insurers will recognise short-term no-claims history at renewal; others won't. Check the small print of the annual policy you eventually move to.
Policy documents are issued within minutes of purchase. MID (the Motor Insurance Database) is updated within minutes to a maximum of one hour for ANPR recognition.
Yes. Convictions, claims and previous refusals must be declared for every named driver, not just the policyholder. Insurers verify licence data directly, so an omission is likely to surface.
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/ Begin
One field. A typical lookup completes in under a second, using the same UK vehicle records relied on by trade buyers and insurers.