me and my mate share a workshop both are mechanic/techs dont do car sales both insured with axa (separatly)last week some idiot set fire to my mates neighbours car out side his house which then caught his and totaled both, axa says he is not entitled to a hire car because he is trade and should have loads of cars to use, he cant claim the £250 excess from his neighbour, the contents are not covered because the car was not at the business premises, the value of the car will be paid at trade price even though he paid retail for it (bought it off a customer) then was told the rep would look on the local thames valley trader and get the value of the car for his area, has any one heard of this before and does any insurance company do two types of policy ie car sales or vehicle repairs