Motor Trade Road Risks Insurance

The Motor Trade Road Risks Insurance policy is for full or part-time motor traders, working from commercial premises or from home, who require road risk cover for their own vehicles, or vehicles in their custody or control for motor trade purposes.

Significant features and benefits of the policy

There are three levels of cover to choose from:

• Comprehensive
• Third party fire and theft (most areas of the UK)
• Third party only cover

Type of cover	Comprehensive	Third Party Fire & Theft	Third Party Only
Legal liability for injury to passengers, the public and their property
Legal defence costs for manslaughter or causing death by dangerous driving
Loss of or damage to vehicles by fire or theft
Accidental damage, vandalism or malicious damage

The table below shows the benefits of this policy and the maximum amounts payable in the event of a claim:

Description	Maximum Cover
Legal liability for death and injury to anyone including passengers	Unlimited
Legal liability for damage to other people’s property	£1 million
Legal defence costs for manslaughter or causing death by dangerous driving	Unlimited
Loss and or damage to your vehicle caused by accidental damage, fire, theft or attempted theft	Minimum of: Trade Market Value Indemnity Limit Chosen*
Loss and or damage to a vehicle not the property of you, your spouse or any person named on the Certificate of Motor Insurance and in your custody or control for the purpose of service, upkeep or repair, caused by accidental damage, fire, theft or attempted theft	Minimum of: Market Value Indemnity Limit Chosen*
Audio equipment	£250

• In the event of a claim the Indemnity Limit is applied per vehicle, per incident
• Up to 6 named drivers for motor traders who work full-time and up to 3 named drivers for motor traders who work part-time
• Cover for vehicles at home automatically included, even if you trade from home
• No claims discount of up to 4 years transferable from your private car, commercial vehicle or motor trade insurance
• Introductory discounts of up to 42.5%, if your other motor policy cover is continued
• Demonstration cover available
• Flexible limit of indemnity from £7,500 to £30,000 for comprehensive, full-time traders and from £7,500 to £12,500 for comprehensive, part-tme traders. The indemnity limit is £5,000 to £7,500 for third party, fire and theft, full-time traders and £5,000 for third party, fire and theft, part-time traders
• Option to pay by instalments
• Full cover whilst driving in the EU available for extra premium
• Discounts available for:
  • Increased excesses (comprehensive cover only)
  • Spouses who require social, domestic and pleasure cover only

*Indemnity is based upon the vehicle value limit selected.