Motor Trade Insurance Built for Your Business

Road Risks insurance allows you to legally drive vehicles that belong to your customers or your business. Without it, you'd need separate insurance for every vehicle you drive. It's essential for mechanics doing test drives, dealers demonstrating cars, or anyone who needs to move vehicles as part of their work. We can arrange either "named driver" policies (where only specific people are covered) or "any driver" policies depending on your needs.

Yes, if you're working on vehicles for profit. Even mobile mechanics and part-time traders need proper motor trade insurance. Your domestic car insurance won't cover business activities. We specialise in finding affordable cover for smaller operations and part-time traders—you don't need a big forecourt to get the right protection.

We can usually find you a combined policy that covers road risks, public liability, premises, tools, and employers' liability all in one. This is often cheaper and simpler than having multiple separate policies. However, if you already have some cover in place, we can also arrange standalone policies to fill any gaps.

We work with specialist underwriters who consider cases that standard insurers might decline. While claims and convictions will affect your premium, we can usually still find cover. Be honest with us about your history—we're here to help, not to judge, and we've helped many traders with less-than-perfect records.

For straightforward cases, we can often arrange cover the same day. More complex risks may take a little longer while we find the right underwriter. Once your policy is in place, you'll receive your documents digitally so you can start work immediately.