Road risk vs combined motor trade insurance — what is the difference?
Road risk is the core cover that lets you drive customers' vehicles on the road; combined bundles road risk with premises, stock, tools and liability for traders who need everything in one policy.
How the two compare
Road risk is the foundation of any motor trade policy. It covers you to drive and move vehicles in your custody for trade purposes, and comes in three levels:
- Third party only — the legal minimum
- Third party, fire and theft
- Comprehensive — the widest road cover
Combined insurance wraps road risk together with the other things a business needs under one policy, such as your premises, customers' vehicles on site, stock, tools and equipment, plus public and employers' liability.
If you only drive vehicles and have no premises, road risk may be enough. If you run a garage or showroom, combined is usually the better fit. Compare both to see which suits your setup.
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Which is cheaper, road risk or combined?
Road risk is generally less expensive because it covers less, but combined can offer better value if you'd otherwise need several separate policies for premises, stock and liability.
Can I start on road risk and upgrade later?
Yes. Many traders begin with road risk and move to a combined policy as they take on premises, staff or stock. Compare quotes when your needs change.
Does road risk cover tools in my van?
No. Road risk only covers the vehicles you drive. Tools and equipment need to be added, which is where a combined policy or extra cover comes in.