HELP AND ADVICE IN RESPECT OF OUR MOTOR TRADE PACKAGES.
HOPEFULLY YOU'LL FIND ANY GENERAL INFORMATION ABOUT THE QUESTIONS ON OUR
ENQUIRY FORM HERE. WE WILL PROVIDE MORE DETAILED ADVICE
WHEN WE PROVIDE OUR QUOTATIONS ALONG WITH THE APPROPRIATE "KEYFACTS"
RELATING TO OUR RECOMMENDED SOLUTION.

YOUR PREMISES                                                                                                         
If you operate from multi locations we will need to collect information about each of    
 your premises. To save you running through all of this information in this form simply    
send us the details of your main premises and we'll get in touch to talk though your      
specific requirements.                                                                                                     

Standard construction: is where your premises are built only of brick, stone, concrete,    
 concrete block or insulated metal cladding with slate or tile supported by timber             
framing, metal, asbestos or concrete roof.                                                                       

You are the sole occupant of your property when you have no tenants or other lessees,
and have sole control over the entrance and final exit door/s and security of your         
  premises.                                                                                                                          

   If there are any areas of your property that are unoccupied you will be required to ensure
 these areas are safe and secure and pose no additional hazards to your business.           

           Portable Gas / Oil heaters at your premises can add to the fire risk and we will need to have     
details of the type of heater and areas that they are used in to ensure you are able to     
comply with insurers policy requirements.                                                                         
                        
A NACOSS approved REDCARE alarm system ensures a high level of protection to your
 premises when unoccupied. NACOSS ensures the highest standard of fitment                   
and REDCARE means that any alarm will be reported promptly.                                       

Whilst we offer cover on a NO SUM INSURED BASIS the required insurance is                 
calculated on the sums insured you provide.                                                                      

Building Sum Insured should reflect the total cost of replacing the buildings at your         
premises including: Fixtures and Fittings, outbuildings, kiosks, canopies, fixed signs,         
walls, gates, fences, artificially created ground surfaces and any mains services.              

  Tenants Improvements   should reflect any structural improvements, interior decorations,    
fixtures, fittings, glass and signwriting.                                                                               
    
Loss of Rent (receivable / payable): the cost of rent which will be pad should the              
buildings or part of the buildings be unfit for occupation following damage.                 

Computer Equipment : Any computer equipment including printers, plotters and even      
telecommunication equipment if connected to your network. Specialist covers available. 

Stock (excluding vehicles) : Stock, materials in trade, and work in progress                         
 (other than vehicles) including spare parts, fuel and oil stocks.                                           

 All other contents / property (ex vehicles): Machinery, plant, tools, office furniture &           
equipment, documents, manuscripts, business books, computer records, patterns,               
models, moulds, plans or designs, fuel pumps, underground tanks and associated              
pipes and cables.                                                                                                                
  
Vehicle Stock  Vehicles including accessories, plant and equipment fixed to vehicles,      
                      trailers and the contents of these vehicles.                                                                        

POLICY COVER INNER LIMITS                                                                                          
Portable Hand Tools Sum Insured; the total cost of replacing portable hand tools.             

Vehicle Entertainment Equipment : the limit of indemnity required for any in car              
 entertainment equipment forming part of your stock / contents sum insured.                        

Property Whilst in Transit : The limit of indemnity provided for property whilst away from  
the premises in transit by road, rail, sea or air within the geographical limits of the policy.
Exhibition Cover ; Cover for property insured, other than vehicles, whilst at an exhibition   
in the UK.                                                                                                                            
 
Cigarettes/Tobacco/CD's/Alcohol/Clothes : The sum insured for the replacement of            
 "high theft risk" stock.                                                                                                           
 
Contents of Customers Vehicles : The indemnity limit required for the replacement           
of contents of customers vehicles.                                                                                       
              
Deterioration of Stock: Amount of cover required for damage to goods kept in a cold room
or refrigeration cabinet.                                                                                                     
  
Road Risks Cover : Gives the legal liability cover required by the road traffic act and with   
options to include fire and theft or comprehensive cover with a range of driving restrictions

Comprehensive cover : The broadest cover including damage to vehicles, special             
extensions such as new for old, Financial Loss and emergency treatment.                          

Trade plates.                                                                                                                        
Recovery Vehicles                                                                                                                 
Passenger Carrying Vehicles with 8 or more seats                                                                 
Courtesy Cars                                                                                                                         
Other Vehicles                                                                                                                      
Each of these vehicle / trade plate types contribute to the rating of your premium in           
different ways and need to be recorded accurately at the inception / renewal of your policy

Does the value of any vehicle exceed £50,000?                                                                   
As well as providing the insurer with an idea of any larger than average exposures we also
need to ensure that the cover provided adequately protects your business and does not fall
short should you suffer an "out of the ordinary" loss.                                                             

How many people will drive cars whilst on your business                                                       
How many people will use YOUR cars for private use                                                            
Do you want to insure any vehicles not registered in your company name?                          
Will any of YOUR vehicles to be used for business other than yours?                                   
All of these questions help the underwriter build up a picture of how vehicles to be            
insured under your policy are used and will enable them to price your policy accordingly  
and ensure the documentation is issued providing the correct wording for your specific       
circumstances.                                                                                                                      

Has any person who will drive had any motoring convictions?                                              
Does any person who will drive suffer from any medical condition?                                      
Any adverse risk features may attract additional premiums or policy terms / conditions.        

Do you wish driving to be restricted to NAMED persons only?                                               
If you are able to conveniently restrict the use of vehicles to named drivers you may be      
eligible for a premium discount.                                                                                           

ENGINEERING PLANT / INSPECTION                                                                                 
Do you require cover for Engineering Plant / Inspection?                                                     
Lifting Plant or Pressure vessels will have statutory inspection requirements as well as         
specialist insurance needs. Fragmentation of a pressure vessel will generally be excluded
under a  standard insurance contract and engineering cover will extend to this as well as  
ensuring you comply with your inspection requirements.                                                     

LIABILITY INSURANCE                                                                                                       
Public Liability Insurance                                                                                                    
Or third party liability cover protects you and your business should you be held legally        
liable for injury or damage to a third party or their property.                                                
Employers' Liability                                                                                                             
Employers' Liability insurance is a legal requirement to protect you and your business       
should you be legally liable for injury suffered by an employee.                                        
What is your estimated annual turnover for the coming year?                                              
What is your estimate of the total payments to employees (including labour only                
sub-contractors) for the forthcoming year split by the following categories:                            
Clerical, Sales and Managerial Staff?                                                                                  
Woodworking, power press, guillotine/sheet metal operators?                                              
Breakdown and Recovery operators?                                                                                    
All other manual employees?                                                                                               
Total number of employees?                                                                                               
These questions are used by the underwriter to calculate the exposure to claims and the     
required premium for the liability covers.                                                                             

BUSINESS INTERRUPTION INSURANCE                                                                            
What is your estimated Gross Profit for the forthcoming year?                                              
Period of Indemnity Required                                                                                              
Many businesses never recover from the impact of a severe loss such as a fire and this       
extension will provide an all important buffer period enabling you to meet your financial  
obligations in the event of a loss affecting your ability to continue trading whilst you get    
everything back in order.                                                                                                     

GENERAL QUESTIONS                                                                                                       
Do you have a written Health & Safety Policy?                                                                     
This is a requirement if you have 5 or more employees (including directors) - to help, we    
can arrange a FREE review of your current procedures by a specialist consultant.                
Current / Previous Insurer?                                                                                                   
As an independent insurance broker we will approach a number of insurers on your behalf
to ensure we secure the best deal for you. By advising your current insurer we can avoid    
approaching them and can also provide you with an analysis of any gaps in cover that you
may have under your current arrangements.                                                                           
Current Renewal Date?                                                                                                         
This is essential to enable us to approach our insurers as early as possible before renewal    
as well as allowing us to ensure we get their responses in good time for you to make an       
informed decision.                                                                                                                
Current Annual Premium?                                                                                                     
Many people prefer not to disclose this information but it provides us with an invaluable     
piece of data to ensure we can advise you accordingly, ensure we don't waste any insurers
time if they are unable to offer a competitive alternative and ensure the alternative we do
secure for you provides you with enough value to make it a viable proposition.                    
                 
Has any insurer declined to quote / renew or imposed special terms?                                    
Has any Director or partner been:                                                                                           
declared bankrupt or insolvent?                                                                                              
involved with a company that went into liquidation or was dissolved?                                   
convicted or charged with a criminal offence other than motoring offences?                         
prosecuted for breach of statute relating to health and safety of employees or others?           
been served with a prohibition notice under the health & safety at work act?                         
Many underwriters conduct additional checks on businesses when preparing quotations and
sharing the full details of your business history will enable all matters to be taken into          
at the outset and avoid any "sticky" situations in the future. We like to enjoy good working    
relationships with our clients and insurers alike and can only provide you with best advice if
we truly understand your business.                                                                                        

IF YOU HAVE ANY QUESTIONS THAT AREN'T ANSWERED HERE FEEL FREE TO E-MAIL US AT
MOTORTRADE@SUNNINGHILLINSURANCE.CO.UK  OR CALL US ON 0870 787 8021