Motor Trade Road Risks

For motor traders operating their own business from home or from business premises

Motor Trade Road Risks is designed for full or part time motor traders operating their own business from home or from business premises, who require road risks cover for their own vehicles or vehicles in their custody or control for motor trade purposes.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below. 

To view the Target Market Statements and Product approval Process, please click here

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products please contact your broker.


  • Protected no claims discount available
  • Split indemnities available
  • Up to six named approved drivers (maximum four having motor trade use)
  • Flexible limit of indemnity from £5,000 (third party, fire and theft) to £30,000 (comprehensive)
  • Indemnity applied per vehicle per claim
  • Cover for vehicles at home automatically included, even if trading at home
  • Claims on customers vehicles settled on market value basis
  • Demonstration option available
  • Full cover whilst driving in the EU available for an additional premium for social, domestic and pleasure use only


  • Competitive premiums
  • Up to 51% introductory and no claims discounts available transferable from a cancelled private car, light commercial or motor trade policy
  • Discounts available for increased excesses and for spouses requiring SDP cover only
  • Dedicated motor trade claims helpline 0330 024 2244 operated 24 hours a day, 365 days a year, by staff trained in managing motor trade claims
  • Option to pay by instalments (via direct debit)