JMG MOTOR TRADE

Road Risk Insurance

Specialist cover designed to protect motor traders while driving vehicles for business purposes.

JMG Motor Trade provides Road Risk Insurance for businesses and individuals working across the motor industry. Whether you buy and sell vehicles, repair cars, operate a workshop, work as a mobile mechanic, recover vehicles or provide valeting services, we can help you arrange cover suited to your trade.

What Is Road Risk Insurance?

Road Risk Insurance is the most common type of Motor Trade Insurance and provides essential cover for traders who drive vehicles as part of their business activities.

Unlike standard car insurance, this cover allows motor traders to drive customer and stock vehicles in the course of business. This may include collecting vehicles, returning customer cars, transporting vehicles between sites, attending auctions, or carrying out test drives.

Need cover for driving trade vehicles? Speak to the JMG Motor Trade team today on 01323 446 485 for a tailored quote and expert advice on the right level of cover for your business.

What's Covered Under a Road Risks Policy?

Road Risk Insurance provides protection when you or an authorised driver operates vehicles for motor trade purposes. The exact cover available depends on the level of protection selected. It can typically cover:

Customer vehicles while being driven for business purposes
Stock vehicles owned by your business
Vehicle collections and deliveries
Test drives and vehicle demonstrations
Travel to and from auctions
Vehicles temporarily in your custody or control

As with any insurance policy, cover limits, driver restrictions and vehicle eligibility will vary depending on the insurer and policy selected. If you need protection beyond Road Risk Insurance, a Motor Trade Combined Insurance policy could be a better fit.

For advice on additional options, including public liability and employers’ liability insurance, speak to our team on 01323 446 485 or visit our contact page.

Levels of Road Risk Cover

Third Party Only

Third Party Only is the minimum level of cover required by law. It covers damage or injury caused to other people, vehicles or property while you are driving for motor trade purposes. However, it does not cover damage to the vehicle you are driving or any repairs you may need to make following an accident.

Third Party Fire and Theft

Third Party Fire and Theft provides the same protection as Third Party Only while also covering vehicles in your care if they are stolen or damaged by fire. This can help protect you against some of the most common risks faced by motor traders when vehicles are left unattended or stored overnight.

Comprehensive Cover

Comprehensive cover offers the highest level of protection and can cover the vehicle you are driving following an accident, regardless of fault. It also includes the third-party, fire and theft benefits provided by the lower levels of cover, giving broader protection for day-to-day motor trade activities.

It’s important to note that insurers usually cover the trade value of a vehicle rather than its retail sale value. The exact level of cover and any exclusions will depend on your insurer and policy terms.

Who Needs Road Risk Insurance?

Road Risk Insurance is designed for motor trade businesses that regularly drive or handle vehicles in connection with their work, providing essential cover while vehicles are on the road. This includes:

Vehicle dealers and car sales businesses that buy, sell and test drive vehicles
Mobile mechanics who travel to customers and drive vehicles as part of their work
Vehicle repair specialists carrying out servicing, maintenance and road testing
MOT testing centres that need to move and assess customer vehicles
Breakdown and recovery operators transporting and driving vehicles
Vehicle valeting businesses that collect, deliver or relocate customer vehicles
Bodyshops and accident repair centres conducting repairs and post-repair road tests

If your work involves driving vehicles that you own, sell or hold on behalf of customers, Road Risk Insurance is likely to be an essential requirement.

Road Risk Insurance FAQs

Choosing the right policy can be confusing, particularly if you’re new to the motor trade. Below are answers to some of the most common questions we receive from traders.

If you drive vehicles as part of your motor trade business, you must have at least the minimum level of motor insurance required by law. Road Risk Insurance provides the cover needed to legally drive customer and stock vehicles in connection with your business activities.

Yes. This cover is specifically designed to allow motor traders to drive customer vehicles for business purposes, such as collections, deliveries, repairs, MOT testing, servicing and test drives, subject to your policy terms and conditions.

Yes. Most policies can cover vehicles owned by your business and held as stock. The level of cover provided will depend on your policy and whether the vehicle meets your insurer's eligibility criteria.

Road Risk Insurance primarily covers vehicles being driven for motor trade purposes. Motor Trade Combined Insurance offers broader protection and can include cover for premises, tools, vehicle stock, public liability, employers' liability and other business risks alongside Road Risk cover.

Yes, it is available for both part-time and full-time motor traders. Whether you operate as a vehicle dealer, mobile mechanic, valeter or recovery operator, a policy can be tailored to the size and nature of your business.

Get a Road Risk Insurance Quote

Whether you’re a vehicle trader, mobile mechanic, valeter, recovery operator or garage owner, we can help you find cover tailored to your business.

Call JMG Motor Trade on 01323 446 485 or visit our contact page to speak with a specialist adviser and receive a competitive quote.