Traders everytime,part time with no premises probably suits u although I don't know ur circumstances BUT be careful as my latest renewal had a massive list of cars I wasn't able to drive on it,mostly exotic stuff but a few familiar ones like scooby turbos and evos popped up.also they don't tend to like modified,your covered but often tpo which can be awkward in business,obviously not in your case.I pay 725 for me and the missus,both 34 and with a respray business upto £20k liability,only £250 excess this year as well.