Named driver on motor trade insurance

I'm not sure I quite understand the situation. If you're a named driver on the motor trade insurance policy, then you were insured to drive the car. So what is the problem?

The car was bought by the traders but they registered it on my name as I would be maintaining and advertising the car all through the traders expenses. What the PC was saying is that I need personal insurance. Would I need even though the car belongs to the traders?

If you had motor trade insurance on the vehicle you were driving, then you wouldn't need another personal insurance policy unless there were some restrictions (eg you are not allowed to use the vehicle for personal use or something similar). You need to check the policy from your traders where they named you as an additional driver to see if you were really covered and what restrictions were imposed for the cover.

If you were not named on the motor trade insurance policy for the vehicle you were driving, then you would need a separate insurance and what the PC told you would make sense.

Thank you very much for your answer, as this is what I've been told by other experienced traders. I've also been advised by solicitor that my documents will drop the charges from the prosecution. Can I just ask how you know this information gices. What do you specialise in?

The motor trade policy covers vehicles the property of the policyholder or in the custody of the policyholder in the course of their business. If the car is registered in your name the police will have perceived you as the owner - such that the vehicle is not covered by the motor trade policy.