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, G & H Bell on 028 9268 3104 to talk through your needs, as slightly different conditions apply.

What you do

Click here for a list of insurable occupations

Your age

In most of our standard policies, the proposer (i.e. you) needs to be aged between 23 and 75 years of age.

All named drivers on your policy need to be 23+ to be acceptable.

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.

We are able to quote for younger drivers, drivers with various claims or convictions, involvement with motorcycles, vehicles under 7.5 tons, veteran, vintage and classics, high performance/value cars, American and Canadian vehicles, imported vehicles - the list goes on!

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

There’s lots to sort out when you are starting a new business – it’s like a jigsaw.

Getting a good insurance policy is one of the pieces that need to be in place beforehand. 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.

However, these are the minimum legal insurance requirements that motor traders must have, though most businesses choose a higher level of protection:

• 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;
  
• 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.

We’ll be pleased to give information to you showing what policy/policies are available and then work out a customised quote for you.