If you have customer’s vehicles in your care, custody and/or control for the purpose of carrying on your business in the motor trade, you probably need a Motor Trade Road Risks policy. It will allow you to road test, collect or deliver a vehicle prior to and immediately after repair, service, valeting, MOT test or other work on it.
If you are involved in vehicle sales, it covers vehicles you have acquired for trade purposes whilst being collected and/or delivered immediately after purchase or immediately prior to sale. It can also cover accompanied demonstration use.
Why not read our guide to motor trade insurance.
Speak to our Sales Team on 03301 00 87 20 (Option 1) to get a free quote and arrange cover. We take payment over the phone for immediate cover and offer a range of payment options. You can also use our online quote enquiry form and we will call you back.
Yes, we are able to provide Protected No Claims Bonus. Please ask us when you take out the policy or renew it. This cannot be added during the policy period.
They must be the property of the policyholder or the policyholder's spouse where they are a named driver on the policy. Cover applies under the Road Risks and Premises policies. We cannot cover vehicles owned by an employee. There are also certain restrictions on the types that can be covered and the extent of cover available for certain vehicles. We will explain any relevant restrictions as part of our quote. If you already have a policy with us, your policy schedule will include details of the restricted vehicles.
The issue of fraud in the motor insurance market generally is well publicised. One way we can help protect you from the cost of this is by requesting a copy driving licence for all drivers insured on one of our policies. Please help us by providing these promptly when requested to do so.
Yes. We offer a range of instalment options. See details of ‘How to pay’ for more information.
Certain restrictions do apply. It must be used in accordance with the cover provided. This can be motor trade use only, social domestic please and commuting or additional business use. The use provided will often be different for each driver. The Cover Note or Certificate of insurance will detail this. One specific restriction is that customer’s vehicles can only be driven for motor trade purposes – you cannot drive them for any other purpose.
Yes. As long as your involvement in the motor trade is as a business, not as a hobby, we can probably provide you with motor tarde insurance. We may also be able to provide cover for driving in connection with your main occupation. Please ask.
See our guide to cover for 'part time motor trade insurance'.
We treat trikes in the same way as motorcycles. If you own trikes, or work with them for motor trade purposes, please let us know so we can ensure your policy provides cover for these.
Quads are a very specialist type of vehicle and if you own one, it would need to be insured under its own policy. If you work with quads occasionally as part of your motor trade business, please talk to us. We may be able to provide cover.
Road Runner provides motor trade Road Risks, Liability, Premises and Home Insurance for the independent motor trade professional.
Road Runner is part of the Aston Scott Group, combining the commercial insurance skills of Aston Scott Ltd with the Risk Management expertise of ASG Risk Management Ltd.
If our Road Runner Scheme is not suitable for your requirements, or you need something other than motor trade insurance, we may well be able to assist you with the wider range of products available to us and suited to the more complex motor trade businesses and a wide range of other trades and professions. Why not give our specialists a call on 03301 000 562 and see if we can help you.
We provide road risks, liability and premises insurance for motor traders via Abbey Bond Lovis Ltd in Belfast. Please speak with them direct on 02893 325 116 and mention Road Runner. Please note that slightly different conditions apply. Our products are only available via Abbey Bond Lovis Ltd for independent motor trade professionals living in Northern Ireland.
Road Runner can provide cover for motor traders working with motorcycles. We can also insure a motorbike owned by you for social domestic pleasure and commuting use. Depending on your age and the type of motorcycle, some restrictions in cover may apply. Please ask one of the team for advice if you have any involvement with motorbikes.
Yes, any changes that may affect your insurance must be notified to us as soon as possible. If you are in doubt, please Contact Us.
Cover is effective immediately, provided that your policy gives cover for the type of vehicle involved. It is your responsibility to notify us of this for MID purposes. Click here to find out how to notify us.
You are able to notify us when you buy or sell a vehicle by:
All policies cover only “named drivers”. There is only cover for drivers that are named on your policy. You can have up to 7 named drivers, including yourself. Call us on 03301 00 87 20 (Option 3) if you want to add or delete a driver.
Provided you are travelling to an EU country, the minimum legal requirement applies. This may not be the same level of cover you have in the UK. To enable us to provide your usual level of cover you must request an extension of cover and advise us each time you travel outside of the UK. Please call our Customer Service team on 03301 00 87 20 (Option 3) for any foreign travel requests or enquiries.
If you are unsure on policy restrictions, please call our Customer Service team on 03301 00 87 20 (Option 3).
Yes. Any increase or decrease in cover will affect your premium. Call us to find out more. Please note that you cannot add Protected No Claims Bonus during the period of insurance, so if you want this cover, make sure it is included when the policy starts.
Our policy covers vehicles that you own, but we do not need to know the date you bought or sold them. Provided it is owned by you and otherwise of a type covered by the policy and used and driven within the terms and conditions of the policy, you will be covered. You should make sure you keep all transaction receipts so you can provide proof of ownership, or sale, if required to do so by the police.
The form uses a third party database to look up registration details. Occasionally, it does not recognise a specific registration number. If this is the case, you can either manually type the details into the form or call us.
We always send you a current list of vehicles every time we make a change on your behalf. If you don't have a copy to hand, please Contact Us and ask for one. We can send it by email or post. You can also check www.askmid.com to see if an individual vehicle is listed on the Motor Insurance Database.
All Comprehensive policies issued or renewed from 1st February 2016 onwards will now automatically include windscreen and window breakage cover for vehicles the property of the Policyholder or Policyholders spouse where he or she is a named driver. The annual limit is £1,000 and there is a £100 replacement excess, reduced to £Nil for repairs, where carried out by AXA’s approved repairer network.
For policies issued prior to this, there is no specific windscreen cover section in the motor trade road risks policy. Where you have Comprehensive or Third Party, Fire & Theft cover any claim for glass would be covered to the same extent as any other damage to your vehicle under the own damage section of your road risks policy. If you are Insured Third Party Only, there is no cover at all. The claim would be subject to the normal policy excess and would prejudice your no claims bonus.
A cover note is a temporary certificate of motor insurance. It has the same legal standing as a certificate of motor insurance. The only difference is the period for which it is issued. We normally issue a cover note when a policy first incepts. This will generally happen where we are waiting for you to provide us with certain supporting documentation such as proof of no claims bonus or copies of driving licences.
Insurance Premium Tax (IPT) is controlled by the government, who decide how much this should be. Road Runner is required by law to add the prevailing rate of IPT to all insurance premiums. It is not added to our fees.
Certain restrictions do apply. It must be used in accordance with the cover provided. This can be motor trade use only, social domestic pleasure and commuting or additional business use. The use provided will often be different for each driver. The Cover Note or Certificate of insurance will detail this. One specific restriction is that customer’s vehicles can only be driven for motor trade purposes – you cannot drive them for any other purpose.
The administration fee is part of the way we are paid for providing our services to you. Our Terms of Business set out the fees we may charge for different transactions and we always disclose these to you in advance. The premiums we quote you include our fees and details of these are set out in all policy documentation. Our instalment options, as explained in ‘How to pay’ allow you to include the fee in any instalment plan you may select.
Calls cost no more than calls to geographic numbers (01 or 02) and must be included in inclusive minutes as part of any mobile phone contract. The exact cost will depend on whether you are using a mobile phone or landline and the agreement you have with your provider.
We do not make any money from calls to us. We moved to '03' numbers to help save our customers money.
You can read more about '03' numbers on the Ofcom website.
A vehicle will have to be insured unless it
Your car could be liable to be clamped, or you could receive a Fixed Penalty as well as possible further enforcement action.
To check that your vehicle is correctly recorded as 'insured' on the MID, visit the free service www.askMID.com. If you cannot find it, please Contact Us.
The Motor Insurers Bureau have produced a guide called Motor Trade and the MID which explains how this will affect various aspects of buying, selling, repairing and generally working with vehicles in the motor trade. You can read this by clicking here.
If you won’t be using your car in the winter, you must either make a SORN declaration or insure the car. If you don’t, you will receive an IAL and find enforcement action taken against you.
A valid motor insurance policy will still need to be purchased if you intend to keep the vehicle and do not declare a SORN. If the vehicle remains uninsured as identified by the database comparison, you could still, without any further warning, be subject to further enforcement action.
You, as the registered keeper, would receive the IAL and be liable for any enforcement action if your wife does not insure the car or make a SORN declaration. Please remember though that our policy only covers vehicles owned by your wife or spouse if they are a named driver under the policy.
If you ignore the letter, the DVLA will then initiate enforcement action which may include:
If you lease your car you will be the registered keeper and so would receive the IAL and any other letters and so will be liable for any enforcement action if you do not insure the car or make a SORN declaration.
You should check the Motor Insurance Database (MID) by using the free service at www.askMID.com to check your vehicle registration is on the database. If the vehicle is missing or incorrect, or if you do not have access to the internet, please Contact Us straight away to check that the registration number of your car is recorded correctly..
Uninsured drivers are a menace on the roads. They are:
Every year the insurance industry pays out about £500 million for claims relating to uninsured driving. This cost is passed on to all honest motorists through insurance premiums. It is estimated to increase the average cost of a motor insurance premium by £30 per annum.
It is anticipated that CIE, in conjunction with continued police enforcement activity, will further reduce the level of uninsured driving on British roads by around 40%. This will help keep down the costs to responsible motorists who pay for the cost of uninsured driving through insurance premiums. Further information on the change in law is also available from https://www.gov.uk/vehicle-insurance/uninsured-vehicles
If you have already registered with Premium Credit Ltd to use their online services, you can access your account here - www.pclpls.com
Alternatively, you can call them on 08447369836 to discuss any changes you need to make.
Please contact Premium Credit Ltd on 0844 736 9836 they will be able to help with your queries. If you have already created an online account, you can access it here: www.pclpls.com
Premium Credit Ltd will have sent you confirmation in writing of the payment dates and amounts. If you do not have this you can either:
• Go online and use their website to check the details (if you have registered for an account) - www.pclpls.com ; or
• Contact Premium Credit Ltd by telephone for confirmation of payment details: 08447369836.
If you have any other questions about Premium Credit Ltd, please visit the ‘help’ section of their website at: http://www.support.mypremiumcredit.com
Premium Credit Ltd finance your policy. This will be the company name that appears on your bank statements.
We hope the quote we have provided and the cover options we can provide are attractive to you and your client. The next step is to put the client on risk with us. Here's what you need to do:
Agree with your client how they are going to pay. You can take payment in full from them, use your own premium credit facility, or offer them our instalment facility. Details of the payment options we offer are contained with the quote.
Complete the 'Confirmation of Responsibility for Payment' sent to you with the Quote. It will confirm the exact process you need to follow to put your client on cover, based on your agency status with us.
Send the 'Confirmation of Responsibility for Payment' to us by fax or email.
Please note that cover is only effective from the date and time shown on our cover note or certificate. If you need cover to start immediately, please call us to ensure we have received the 'Confirmation of Responsibility for Payment'.
Road Runner is a trading name of Aston Scott Ltd. Authorised and regulated by the Financial Conduct Authority (Reg No. 308048). For your protection, telephone calls may be recorded or monitored.
Copyright © Aston Scott Ltd 2015. All rights reserved. Road Runner, 28 Dingwall Road, Croydon, CR0 2NH. Tel: 0330 822 0468