i can only go by my policy but when i had to claim i had to show them prove of trading including advert receipts, purchase and sales receipts, bank statements showing money in/out so if you bought a car for 8k in september they wanted to see the money or some of it coming out the bank to stop people just writing there own receipts.

Luckily i sold over 40 cars last year so not a problem and also have bussiness account etc.

The trouble is the brokers are really helpfull but if you claim the underwriters don't want to pay.

Pete