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There are two main types of motor trade insurance policies: road risks or combined. When a motor trade business deals with customer vehicles, they are taking that vehicle into their possession. Motor trade insurance provides cover for businesses that have a customer’s vehicle under their care, custody or control.
Motor trade insurance can cover an enormous range of businesses that work in all types of industries, meaning that policies can be tailored specifically for the individual.
This is perfect for those based at home rather than at set premises. This helps cover the vehicles that are in your possession when on the road. This will help with situations such as driving a vehicle from your garage to a driveway, picking up or returning a vehicle to a customer, or testing a vehicle after repair work has finished.
You will need a combined policy if you own and operate a business from a location, rather than out of your home. This is also essential if you employ workers, keep any stock, and store customers vehicles overnight.
We understand that taking out motor trade insurance can seem quite daunting. That’s why we’ve put together a collection of FAQs to answer any questions that you may have.