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Road risks insurance offers the level of cover required for motor traders who work in repairs, maintenance or sales. This insurance types includes cover for when you are driving or moving vehicles as part of your day-to-day routine.
Your cover can also include your premises and you will have the option to add Public Liability insurance to your policy as well. This insurance is designed to give you complete peace of mind when operating vehicles from the comfort of your own home or from your business premises.
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.
This is the most extensive level of cover available. It includes third-party, fire & theft. This protects you and other motorists from any damage you cause, as well as covering medical expenses.
This level of cover helps you if you’re responsible for damage to other people, passengers or their property and it will cover the cost of repairs. You are also covered if your vehicle gets stolen or damaged by fire. HOWEVER, if you’re responsible for an accident, this level of cover will not help pay for repairs to your vehicle or any medical expenses, you will have to pay the costs.
This is the most basic level of cover you can purchase and the lowest that it legally required. This will help pay for any damage you cause to other vehicles and property. There is no cover for you or your vehicle. If your vehicle is damaged or stolen, you won’t be able to claim back the cost.