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Vehicles at premises - are you covered?

Do you operate your motor trade business from commercial premises? If so, read our guide and make sure you are covered.  

If you operate your business from or store vehicles at a unit, a plot of land, a garage or anywhere other than your home address your Road Runner motor trade road risks policy will exclude loss of or damage to stock or customers vehicles at or within 1 kilometre of your business premises. The definition of business premises is:

Business premises
Means the business address (or addresses) shown in your schedule and any house building structure or land used owned or occupied on a permanent or continuing basis by you or any partner director employee or driver for
a)      repair service and maintenance or
b)      sale or display or
c)      storage
of any motor vehicle
Any private residence you or any driver permanently resides at is not a business premises for the purpose of this insurance
Any house building structure or land not owned by you or any partner director employee or driver but temporarily occupied by you or any driver for less than one day to undertake the repair service or maintenance of any insured vehicle in connection with your business is not a business premises for the purposes of this insurance

If you do operate your motor trade business from premises, did you know that you can extend your motor trade insurance policy to provide comprehensive cover  for the ‘vehicles at premises’? You can only extend cover if you already have a comprehensive motor trade insurance policy with Road Runner, but if that isn’t the case why not ask us for a quote to upgrade to comprehensive cover and add the vehicles at premises extension. It may not cost as much as you think.
Contact our Customer Services team and ask them for a quote to upgrade your cover.


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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.

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