Looking for Road Risks insurance? We’ve got you covered

Whether you run a garage, dealership, body shop or otherwise, and whether you earn your living by selling, buying or repairing vehicles, we know the importance of having adequate Road Risks insurance in place, and that’s exactly where we can help.
 
We can arrange tailored Road Risks insurance to suit your requirements, allowing you to drive your company’s and customer’s vehicles in order to carry out your business activities, and provide protection in respect of incidents and accidents that may occur on the public highway.
 
When customer vehicles are in your care, they are your responsibility, so it’s essential you are covered while you carry out your work. Our Road Risks policy is designed to ensure you satisfy the minimum insurance requirements when a customer vehicle is in your care, custody or control.
 
Wide-ranging cover

Obviously, it goes without saying that your customers’ vehicles will be insured primarily for motor trade use, however, our policy can also provide cover for any vehicles owned by you, or your spouse if they are named as a driver and agreed by Insurers, to drive for motor trade and pleasure use. You simply need to tell us what vehicles you own and whether they’re held for your own use or motor trade purposes. (If you’re a Limited Company or Limited Liability Partnership, the vehicles must be owned by the company or partnership unless otherwise agreed with Insurers)
 
Road Risk policies can be extended to include ‘accompanied demonstration’, to provide cover for a customer/prospective purchaser, whilst accompanied by a driver named on your Policy, to test drive one of your sales vehicles they’re considering purchasing. The policy will be suitable for you if you work with cars, motorcycles and light commercial vehicles - simply let us know what type of vehicles you handle. Generally, classics, grey imports, LHD, modified, kit cars, Q cars, campervans, agricultural vehicles and certain commercial vehicles over 3.5 tons are excluded, but can be considered by some insurers.
 
The type of cover you need depends on the nature of the work you undertake, but we would recommend comprehensive insurance.
 
A number of additional covers are also available, including Vehicles in Transit, Vehicles at Business Premises, Protected No Claims Bonus, ‘Goods, Plant, Machinery, Stock, Portable Hand Tools in Your Vehicle and Public & Employers Liability.
 
Talk to us today

Whatever the nature of your motor trade business, you need to make sure you are properly covered. We can advise on the level of Road Risks cover you need to have in place, ensuring you are totally protected against all eventualities. Call us on 01992 703007 or email insurance@nlig.co.uk