I'm sorry but i guess the last 3 companies that have insured me over the years have been different to what you know !
You refer to :
* Being involved in the motor trade
On my policy i state that i have a full time job and it is totally unrelated to the motor industry. I am down as private and use my own name with home address.
* Trade price
Yes i agree
* Windscreen cover
I get that, with a £50 excess. There is a clause about if your main business is selling vehicles then you cannot claim for a vehicle for sale (or something along those lines)
* Restrictions
That's to be expected, no worse off than a privately owned vehicle with private insurance though.
* Updating insurance register
That's hardly a problem, some companies let you do it online
* Driving for a purpose
My policy does not state this
* Benefits
Ok, you might not get hire car etc... But if you're taking out a traders policy are these things relevant ?
For what it's worth, i was involved in an RTA in June 2008 - where another vehicle was written off. I was insured through by a trade policy then, and their solicitors are still fighting for me. They know full well that it is not my full time occupation and have no issues about that.
My bike is also covered by my trade policy. Unfortunately my trailer isn't and has to be done another way.
Keep everything above the table and you'll be fine
RE : Tradex - i got a quote from them and it scared me
Regards
Gordon