Generally, Motor Trade insurance is offered either as a Road Risk policy or a Combined Risks policy. Road Risk covers you for driving customers’ vehicles. The Combined Risk includes Road Risk but also covers buildings, contents, money, and vehicles on the premises, along with Public and Employee Liability.
This type of insurance is suitable for businesses involved in vehicle sales, servicing and repairs, dealerships, and MOT centres. Additional policy features could also cover engineering inspections and loss of income from business interruption.