motor trader insurance

Standard cover

Please refer to policy document for terms and conditions.

For examples of exclusions and limitations please click here.

The following is covered as standard within our motor trade policy:

Material Damage - Our policy covers your buildings, machinery, plant, trade contents, stock and vehicles for loss or damage on an all risks basis. This includes cover for incidents such as fire, explosion, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.

Public & Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Motor Vehicle Road Risks - There are four types of cover available -

• Third Party Only (TPO): If you are involved in an accident, you are covered for damage you cause to other peoples vehicles or property or for injuries they sustain.
• Third Party Fire and Theft (TPFT): In addition to the cover provided by TPO, you are also covered for loss or damage to the insured vehicle caused by fire, explosion or theft.
• Partial Comprehensive: In addition to the cover provided by TPO & TPFT, you are also covered for parts and sundries following any damage to the insured vehicle sustained in an accident or for any damage caused by vandalism. You will provide or pay for the labour in return for a premium discount against the full Comprehensive premium. Full Comprehensive cover applies to customer's vehicles.
• Comprehensive: In addition to the cover provided by TPO & TPFT, you are also covered for any damage to the insured vehicle sustained in an accident or for any damage caused by vandalism.