About you and your policy

Right for the job!

ROAD RUNNER’s policies are specially designed for the huge variety of people working in the motor trade whether full or part time. That means you get the protection you want without paying for cover you don’t need.

You could be

• a one-man band
• a partnership or
• a garage with employees.

If you are a sole trader

• you could be working from premises or
• from your home
• you could work full or part-time.

We might even be able to insure the use of your vehicle in connection with your other occupation – say, if you are self-employed buying and selling cars and also work part-time as a gardener.

If you live in Northern Ireland, please call our agents, Abbey Bond Lovis Ltd on 028 9268 3104 to talk through your needs, as slightly different conditions apply.

Do you need Motor Trade Insurance?

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 the vehicle.

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.

If this is not the case, an ordinary commercial motor insurance is probably right for you. MORE TH>N BUSINESS is part of the RSA Group of companies and may be able to assist you. Please go online for a quote at www.morethanbusiness.com or call them on 0800 294 2412 for Business Car or 0800 294 2411 for Vans.

What you do

Click here for a list of insurable occupations

We are able to quote for younger drivers, drivers with various claims or convictions, involvement with motorcycles, vehicles under 7.5 tons (we can also provide cover for a recovery truck owned by you, up to 17.5 tons), veteran, vintage and classics, high performance/value cars, American and Canadian vehicles, imported vehicles - the list goes on!

Your age

In most of our standard policies, the proposer (i.e. you) needs to be aged between 23 and 69 years of age.

All named drivers need to be between 23 and 69 years of age as well, with only 2 drivers under 28 years old permitted.

Your track record

It’s likely that we can help you in most cases – but as with any insurance policy, the more difficult the risk, the higher the premium.

Give us a call now and we will help you to find the best policy to suit your needs.

If you’re starting in business

As long as you've got at least a year's motor trade experience before you start your own business, we can probably help.

Getting a good insurance policy is one of the jigsaw pieces that need to be in place before you start. You may think it’s a pain but then think about the huge problems your business would face without an insurance safety net.

Because everybody’s situation and business circumstances are different, there are no hard and fast rules. Our flexible policy is designed to allow you to chose just the cover you need, so you don't pay for cover that isn't required.

We offer a range of different products too:

• Road Risks Policy:
  you must have a Third Party only (TPO) cover to drive your own or your customer’s vehicles on a public road. We can also offer Third Part Fire & Theft (TPFT) and comprehensive options.
  
• Employers’ Liability Policy:
  you must have Employer’s Liability (EL) cover if you employ somebody - even if it’s a schoolboy washing cars for a few hours each week. Our Liability policy can also protect you against claims from members of the public or from customers in respect of work you have carried out.
• Premises Policy:
  if you trade from premises, you probably need to protect the buildings and/or contents. Even if you lease the premises, your tools and equipment are likely to be valuable. Our premises policy for the motor trade is designed to compliment the road risks insurance.

We’ll be pleased to explain what the policies cover in more detail and work out a personalised quote for you