I have it,for me and me dad,covers anything and with demo cover,im 31 and he's 65,its in my name and i just paid £360 third party.Thats with roadrunner.
You dont need to prove you have a business,you can be part time mechanic and have no premesis.Its really easy to get!
Tradex are about the dearest out there! I used them when i first got traders as they were about the only ones that would look at anybody under 25,but its far easier nowadays!