You can usually tell a carp traders policy by the cost

if its less than 3k then you have a cheap policy that has so many loop holes you wouldnt believe

As said above , they are starting to clamp down on people who have trade policies who arnt real motor traders ( not saying you arnt as i dont know you ) but if you get a " real " trade policy you can have the correct cover

Another " get out " is that most done notice that your tarde vehicles , listed as trade , arnt covered out of working hours , and your personal vehicles arnt covered during working hours

this is there to stop people who have a trade policy just so they can have cars insured that they normaly couldnt cover ,

there are hundreds of little loop holes

Another way to tell dodgy policies is who you are insured with , ie, im with Royal sun alliance , a very well known company , if you have never heard of your company that should set alarm bells ringing