Road Risk Insurance

Road Risk Insurance is a the minimum legally required form of motor trade insurance for both full & part time motor traders. It’s designed to cover your business for any damage that occurs while you’re driving as part of your business. For businesses with three or more vehicles, our commercial fleet insurance may be more helpful.

WHAT ROAD RISK INSURANCE DO YOU NEED?

  • Third Party Only – Covers damage to other people and their property in the event of an accident, so if you damage another vehicle, your insurance company will repair the vehicle you hit.
  • Third Party, Fire & Theft – Third party cover, plus you’re insured for fire damage to, and theft of, your vehicles.
  • Comprehensive Cover – Covers you for third party, fire and theft, and your own vehicles. If you were in an accident that was your fault and you were injured, you can also claim for this on a comprehensive policy.

Get A Quote

Send us a message below and we’ll call you back, or call our trade team directly on 0121 248 9300.

WHAT TYPES OF COVER ARE AVAILABLE
ON A ROAD RISK INSURANCE POLICY?

THIRD PARTY
ONLY

Covers damage to other people and their property in the event of an accident – so if you damage another vehicle, your insurance will pay out to fix the vehicle you hit. Third party cover doesn’t insure you for damage, fire and theft of your own vehicles.

THIRD PARTY FIRE AND
THEFT (TPFT)

Third party cover, plus you’re insured for fire damage to, and theft of, your vehicles.

COMPREHENSIVE
COVER

Covers you for third party, fire and theft, and your own vehicles. If you were in an accident that was your fault and you were injured, you can also claim for this on a comprehensive policy.

FREQUENTLY ASKED QUESTIONS

Do I need a motor trade insurance policy?

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…

Can I get immediate cover over the phone?

Yes – we can provide immediate cover over the phone once payment has been set up (or paid in full if you prefer).

Will you update the MID on my behalf, and will it cost me anything?

We can update the MID for you, and it will cost you nothing. You will only be able to contact us during office hours.

Are the vehicles covered at my home or business premises?

If you work from home, that address is defined as your business premises for cover. A dedicated business premises will require an extra premium for cover.


MOTOR TRADE INSURANCE

 


COMMERCIAL FLEET INSURANCE

 


ROAD RISK INSURANCE

 


CYBER INSURANCE