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.
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.
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.
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.
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.
Quads and all-terrain vehicles (ATV’s) 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 or ATV’s occasionally as part of your motor trade business, please talk to us. We may be able to provide cover.
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 00 87 20 and see if we can help you.
We provide road risks, liability and premises insurance for motor traders via Abbey Bond Lovis in Belfast. Please speak with them direct on 028 9099 3600 and mention Road Runner. Please note that slightly different conditions apply. Our products are only available via Abbey Bond Lovis for independent motor trade professionals living in Northern Ireland.