Hi there.I'm with buckingham insurance,never had any probs,been paying approx £850-1000 pa for a few years now.had a bump in my transit and a vw transporter was there next day,got £875 for a £50 van,rotten too the core so no probs there HOWEVER it is for cars only,no seperate cover for buildings,tools,pub liability,that's all seperate.the last renewal they went very strict on what I could drive,no scoobys,cossies bentleys etc without their prior permission.covered for modified but tpo unless again cleared by them.must say I've never had a problem about what time of driving but as Paul says be careful.

Lhd 220,I had a part time traders with no premises for many years,up to £10000 per car but be aware that they want to see evidence of trading in the event of an accident so keep records of your buying and selling.they usually ask what your own private car is which I believe then offers you similar cover to a normal insurance policy,albiet you will only recieve trade rates in a claim(ie bottom book).