If you are trading vehicles, buying and selling them on a part time or even full time basis then you will need a motor trade insurance policy. If you are repairing or servicing other people’s vehicles, where you have a customer’s vehicle in your care, custody or control for the purpose you will need a Motor Trade Insurance policy. Most likely in these circumstances you will be looking for a Road Risk Insurance policy. With a road risk insurance policy you can test vehicles on the road, collect or deliver a vehicle before and after repairing it, service, valet, MOT test it and carry out other work on the vehicle with the security you are covered in the case of an accident.