Commercial and Motor Trade Insurance

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road risk insurance uk

Road risk insurance by Tradesure is designed for both full time and part time motor traders to cover you when you are moving vehicles between locations in order to buy and sell them, or to repair them. This type of insurance covers trader’s own vehicles or vehicles in their control for motor trade purposes. This is the absolute minimum level of cover that motor traders need to meet legal requirement in the UK.  At Tradesure, we make getting Motor trade road risk insurance easy. Our dedicated service team will understand your needs and requirements to ensure you get the best insurance policy possible.

Every motor trade road risk insurance policy we broker can cover a number of circumstances, such as professionals with no premises, small businesses,  home addresses, part-time traders, and franchisees.


What is Road Risk Insurance?

Road risk insurance enables you to move your vehicles from one location to another, protecting them against any potential damages. Users of this specific type of insurance are people who buy and sell vehicles, or transport vehicles to repair them. Most people who buy a specific road risk insurance policy typically operate their business on a part-time basis, although full-time traders can also be covered.

An example of road risk insurance is if you’ve bought a vehicle from auction, or purchased it from someone looking to sell their vehicle, you’ll need to be covered to take that vehicle home. Rather than taking out a temporary insurance cover, or a personal annual cover which you could lose money on due to admin charges, with a road risk insurance policy you are legally able to drive the vehicle from one location to another.


What Types Of Cover Are Offered On A Road Risk Insurance Policy?

policy cover road risk insurance

There are three levels of cover which you can take out on a road risk insurance policy.

Third party only

Covers damage to other people and their property in the event of an accident. E.g  If you damage another vehicle your insurance company will repair the vehicle you hit.

Third party fire and theft (TPFT)

This cover offers the same as above but you also get the additional benefit of being covered for fire and theft.

Comprehensive cover

Again, with comprehensive cover you get the same cover as with third party fire and theft, but it also covers the vehicle that is in your possession. So if you were in an accident that was your fault, you can also claim if you sustained a personal injury.


What if you’re a mobile mechanic?

If you’re a mobile mechanic, repairing vehicles on the side of the road, or needing to take the vehicle to your business premises or home, then road risk cover will enable you to do so. With road risk insurance you are covered to drive vehicles from one place to another in order to carry out your business.

Why Insure With Tradesure Motor Trade Insurance?

If you take out motor trade insurance with us you’ll also benefit from your own dedicated account manager and 24/7 access to our claims line. Not sure if you qualify for motor trade insurance? You need to be over the age of 25, have held a full UK driving licence for over 12 months and been a UK resident for over 3 years. Got any queries or want to find out more? Call our trade team today on 0121 248 9300.

Other motor trade insurance scheme we offer:

Protect your business in case anyone gets hurt as a result of your business. We supply public liability to motor traders as part of your policy or as a separate add on if you need.

Give Tradesure Motor Trade Insurance a call on 0121 248 9300 to find out more or click below.

If you regularly find yourself using your van to help your business you may be in need of van insurance. Commercial van insurance will keep you covered in many motor trade occasions so it’s worth calling us to find out more.

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