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Road Risk Motor Trade Insurance
What is Road Risk Insurance?
If you trade from home or have a mobile business, a Road Risk Only policy may be suitable for you.
Road Risk Motor Trade Insurance, also known as Road Risk Insurance or a Road Risk Only policy, is designed for motor traders who drive vehicles as part of their day-to-day operations. It ensures you’re covered when driving vehicles you don’t personally own or when handling customer vehicles on the job.
Who needs Road Risk Insurance?
If you’re a motor trader and drive vehicles you don’t own as part of your work, you need a Road Risk policy to be legally covered to do so.
A Road Risk Insurance policy can cover a variety of motor traders, including:
Vehicle Mechanics, Vehicle Salespeople, MOT Testers, Accessory Fitters, Auto Electricians, Body Repairers/Panel Beaters, Valeters, Mobile Tyre Fitters, Mobile Dent and Paint Repairers, Breakdown Recovery Operators, Collection and Delivery Agents, Windscreen Repairers.
Additional Cover
You can also take out additional policies alongside your standard Road Risk cover for extra protection, such as:
- Stock of Vehicles: protects your cars from theft or damage while they’re stored at your premises overnight
- Liability Cover: including Public Liability, Employers’ Liability, and Products and Professional Liability
- Goods in Transit: cover for damage or theft of any parts, vehicles, or equipment in transit
Compare Road Risk Motor Trade Insurance with Patons
Every motor trade business is different and has its own set of unique risks, meaning that finding the right type of cover can be difficult. That’s where we can help.
As an established, family-owned insurance specialising in Commercial Motor Insurance, we save time for motor traders by using our panel of insurers to find them our best policy available, at our best price.
No matter your needs, our team is dedicated to finding cover that ensures your assets are protected.
Getting your Road Risk Motor Trade Insurance Quote
Step 1
Fill out the form
We’ll need some information about you, including your contact details and what you do for work.
Step 2
We’ll give you a call
To collect some additional information and go over the details you’ve already provided to ensure we have everything we need to get you a quote.
Step 3
Get your quote
Once we have all the information we need, we’ll contact our panel of insurers to find you our best possible deal on your Motor Trade Insurance.
Why use Patons for your Motor Trade Insurance?
There are many ways you can benefit from taking a policy out through Patons Insurance, these include:
- Suitable schemes for any type of Motor Trade business
- Wide range of insurers to choose from
- Competitive rates
- Flexible monthly payments
- Expert advice and support
- Dedicated specialist Motor Trade Team
- Face-to-face or over the phone communication
- Secure access to insurance documents online
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Frequently Asked Questions about Road Risk Motor Trade Insurance
Do I need Motor Trade Insurance?
Motor Trade Insurance is a legal requirement if your business sells, repairs, valets, recovers, or tests cars.
As well as being a legal requirement, it can provide peace of mind that your business can be protected from unexpected costs and business interruption in the event of an insured accident/claim*.
*Subject to Terms & Conditions
Does a Road Risk Policy cover me to drive any vehicle?
It’s important to note that a Road Risk policy covers you to drive vehicles in relation to your business, not just any vehicle. In the event of a claim or audit, you would need to provide evidence of your trading activities and prove the vehicles you’ve driven under the policy are connected to your business.
I only sell a few cars a month, do I need a Motor Trade Policy?
Yes – you’ll need Motor Trade Insurance if you sell a few cars a month, even on online marketplaces like Facebook or Ebay. A Road Risk policy could be a cost-effective option for you.
We can help you find a policy that suits your needs. Simply fill out the quote form or give us a call on 0333 015 6886, and a member of our team will be happy to help.
What if I work for a dealership and want to sell cars in my spare time?
If you want to work in the motor trade business in your spare time, a Road Risk Only policy might be suitable for you.
For example, if you’re a mechanic working in a dealership but fix your friend’s and family’s cars in your spare time, a Road Risk Only policy will legally cover you to do this.
We can help find the right policy for you. Fill out the quote form or give us a call on 0333 015 6886, and one of our Motor Trade Insurance specialists will be in touch.
What are Trade Plates?
Trade plates are number plates used on vehicles for business activities like selling, repairing, or testing.
If you display trade licence plates on any vehicle, you, your employees and customers can drive the car for specific purposes without needing to pay for registration and tax.
Can I apply for Trade Plates?
Motor traders, motor dealers, and vehicle testers are all eligible to apply for trade plates.
You can apply for a trade licence plate if your business:
• Sells vehicles
• Repairs or manufactures vehicles
• Tests other people’s vehicles on public roads
You may also be eligible if you collect or deliver vehicles, provided that this is the sole activity of your business, or if you also manufacture or repair vehicles in addition to collecting and delivering them.
What is Employers’ Liability Insurance?
Employers' Liability Insurance covers any costs associated with compensating employees when they become injured at work.
If you have staff, Employers’ Liability is a legal requirement. You can take out Employers’ Liability Insurance alongside your Motor Trade policy.
What is Products/Professional Liability Insurance?
Products, Professional Liability Insurance provides cover for defective workmanship or professional errors within your business.
Some Motor Trade Insurance policies may include this as standard, but it often is taken out as an additional policy alongside a standard Motor Trade Insurance policy.
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