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Motor Trade Premises Insurance

Do you have a large stock of vehicles kept at your business premises? Are you worried about the amount of money you have invested in tools and equipment and not sure how you would replace them if they were stolen or damaged by fire perhaps?

Motor trade Premises insurance is designed to protect the assets of your business, such as tools, equipment, stock vehicles and buildings as well as providing Liability Insurance to protect you against claims made against you by a third party. Even if you lease the building, rather than own it, you may be responsible for insuring it under the terms of your lease.

What does it cover?

  • Damage to the buildings (Optional cover). Contents, such as tools, machinery, plant, fixtures and fittings. If you have a Hire Purchase or other lease agreement, we can normally note the interest of another party on the policy.
  • Liability insurance – Employers’ Liability, Public Liability and Sales & Service Indemnity.
  • Damage to vehicles left on the business premises, whether stock or owned for personal use
  • Theft of money
  • Business Interruption – covers you against reduction in your profit due to an inability to trade at your normal level.
  • Personal Possessions of customers and employees.

Cover options:

Buildings cover: Up to £200,000
Contents cover: Up to £140,000 (Total cover)
Vehicles at premises: Up to £100,000
Annual Gross Profit: £50,000
Employers' Liability: £10M limit of indemnity
Public Liability £1M; £2M or £5M
Sales & Service Indemnity £1M; £2M or £5M


Please ask us for full details of the cover options available or read our Premises Summary of Cover on the cover available and exclusions that apply.

Other cover we offer:  

Road Runner can also provide you with motor trade Road Risks and Liability insurance. So if you want to protect yourself whilst driving your own or customers’ vehicles, or want to protect the money you have invested in your tools and equipment, check out the Road Risks and Liability  cover we can offer.

Cover not due yet?

Why not use our free renewal reminder service and let us remind you when it is time to shop around for quotes. There is no obligation to call us - but we hope you do. If you give us permission, we will give you a call.

Road Runner is part of the Aston Scott Group, combining the commercial insurance skills of Aston Scott Ltd with the Health & Safety and Risk Management expertise of ASG Risk Management Ltd.

If our Road Runner Scheme is not suitable for your requirements, 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.

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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.

Copyright © Aston Scott Ltd 2015. All rights reserved. Road Runner, 28 Dingwall Road, Croydon, CR0 2NH. Tel: 0330 822 0468

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