Road Risk Insurance

As with car insurance, there are three levels of road risk insurance cover:

• Third-party only – covers injury or damage to third-party property or people but offers no protection for the driven vehicle
• Third-party fire and theft – as above, but it also covers you for fire damage or theft to third-party-only cover
• Comprehensive – offers full protection, including the cost of repairs, even if an accident was your fault

With comprehensive cover, most motor trade policies will only pay the trade value of a written-off vehicle, not the retail value. So, if you buy a car for the trade price of £10,000 and have it on sale for £15,000 if it is written off, you will only receive £10,000.

As well as flexible, quality cover, our Road Risk Insurance offers you the following benefits:

• Service from quote to claim
• Road risk-only options
• You get to deal with a dedicated motor trade team that understands your insurance needs
• Cover for social, domestic, and pleasure use
• The option of comprehensive, third-party fire and theft or third party only cover

There are several ways you can cut the cost of your Road Risk Insurance quotes, including:

• Avoid insuring drivers under the age of 25 if possible
• Build up your no-claims bonus
• Pay annually – paying monthly may be convenient, but paying annually will be cheaper
• Raise your excess – the amount you pay in the event of a claim
• Search and compare – or better still, ask an independent insurance broker such as Jensten Insurance Brokers to do the comparison around for you. With our privileged access to leading insurers’ policies and specialist knowledge, we’ll be able to save you time getting the cover you need

If you’re planning to drive your own or customers’ vehicles on the road, then yes.

No, you will need to check the terms of your policy. It will need to be in connection with the business if it is owned by the business or is in custody or control of your motor trade business. It may be more cost-effective to limit the covers to keep your premium down.

Please note: your policy may come with indemnity limits that exclude certain types of vehicles, such as classic, prestige cars or Japanese imports. If you’re unsure about what’s excluded or would like some help, please call us on 0161 440 7772 and we’ll be happy to give you some help.

While these policies may look the same, Road Risks only covers driving vehicles on the road. Traders Combined Insurance, on the other hand, can offer a much wider range of essential protections, such as premises, material damage cover and liabilities, amongst others.

Getting a quote is easy. You can call us on 0161 440 7772 and the team will be happy to help you find the protection you need. We work with a panel of different insurance companies and can help you find the appropriate cover to suit your needs.

Yes, no matter how many hours you work, you’ll need road risks cover if you want to drive customers’ vehicles on public roads.