motor trader insurance

Standard cover

Please refer to the policy document for terms and conditions.

For relevant exclusions and limitations please click here.

The following will automatically be included in your policy. This is a summary only, full terms can be found in the policy document.

• 'All Risks' basis - loss or damage to property as shown on the Policy Schedule
• Inflation Protection - Reinstatement 'Day One Cover' of 115%
• Contract Price
• Money
• Public Authorities extension
• Capital Additions - up to maximum of 10% of the buildings and all other property sum insured
• Removal of Debris
• Loss of Metered Water - up to £10,000
• Personal Accident Assault & Victim Care
• New for Old (Vehicles) - in respect of any vehicle owned and registered by you or any Private Car or Motor Cycle owned and registered in the name of your Customer since new and within the first six months of registration
• Theft damage to property including replacement lock and keys
• Seasonal increase of the Vehicle Sum Insured
• Employees tools whilst away from the premises up to £2500
• Clearing of drains

Motor Vehicle Road Risks

The Motor Vehicle Road Risks Section has the option of four types of cover:

• 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 (PART) - In addition to the cover provided by TPO & TPFT, you are also covered for parts and sundries following any damage to the Insured Vehicle sustains in an accident or for any damage caused by vandalism. You will provide or pay for the labour in return for a premium discount. Full Comprehensive cover applies to customers vehicles.
• Comprehensive (COMP) - In addition to the cover provided by TPO & TPFT, you are also covered for any damage to the Insured Vehicle sustains in an accident or for any damage caused by vandalism

This section provides you with the following:

• Public Liability - provides cover for your legal liabilities arising out of the use of the Insured Vehicle and an incident involving a third party.
• Loss or damage - provides cover for loss or damage to insured vehicles.
• Provides cover for emergency treatment as required by the Road Traffic Act
• Trailer - provides cover for detached trailers
• Foreign travel - European Union-wide Certificate wording includes all EU countries

Public and Products liability covers your legal liability in connection with your business for:

• Accidental injury to members of the public or accidental damage to property not owned by you up to £2 million any one claim
• Accidental injury or accidental damage caused by goods sold or supplied up to £2 million any one period of insurance

• Anywhere in the World

• Damage to Leased or Rented Premises
• Health and Safety at Work legal expenses costs
• Court Attendance Compensation if we request you to attend court as a witness in connection with a claim under this section
• Consumer Protection Act Legal Defence Costs
• Data Protection Act - maximum £250,000 in any one period of insurance. Excludes deliberate acts or omissions, fraud etc.
• Defective Premises Act provides cover against liability incurred under this act