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Motor Trade Road Risks, Courier Insurance, Commercial Vehicle:

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What Is Road Risk Insurance?

Do you transport vehicles from one place to another as part of your motor trade services? Whether you’re buying, selling, repairing or simply transporting vehicles, you’ll need motor trade road risk insurance as a legal minimum requirement.

Getting the basics right in business can make all the difference. That’s why our team here at ChoiceQuote take great care in selecting some of the very best motor trade road risk insurance policies in the UK.

What are the available levels of road risk insurance?

As with many insurance policies, road risk insurance is available at different levels of cover. Our customer service experts will be able to advise you on choosing the best level of cover to suit your business, but here’s a quick overview of the options:

Third party only

Only covers damage to a third party, meaning any property or individual damaged or injured, other than you and the vehicle you drive is covered.

Third party, theft and fire

Includes third party only cover, as well as the additional benefit of protecting the vehicle in your possession in case of a theft or fire.


Includes the benefits mentioned above, as well as cover for accidents and incidents for any customer vehicle in your care. You may also claim for personal injury.

Remember, motor trade road risk insurance does not cover everything. Below are the key exceptions to this type of cover.

  • Vehicles that you personally own and use (unless specified)
  • Vehicles necessary to run your business, such as a mobile van for repairs
  • Public or employers’ liability, which you may take on additionally, depending on the nature of your specific business
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What does motor trade road risk insurance cover?

  • Any named driver on your motor trade policy will be covered when driving vehicles to conduct business
  • As the policyholder, you will be covered if you are involved in an incident or accident, such as theft (if covered on a third-party fire and theft basis) or a car crash
  • The value of your vehicles and your customers’ vehicles will be covered against any potential risks and damages, while on UK public roads (for fully comprehensive policies)

Expert features available at ChoiceQuote

  • Employers’ liability and public liability cover
  • Different levels of indemnity
  • Instalment plans
  • 24-hour claims line
  • Wide range of insurance providers
  • Dedicated call centre

Speak to an expert, call 01625 885046

What our customers are saying...

Do I need motor trade road risk insurance?

Whether you are a full-time motor trader or run a business in this sector on a part-time basis, road risk insurance is designed for all types of motor traders who buy, sell, repair or trade vehicles and is a minimum legal requirement for a motor trade business.

This insurance is the most common for motor traders working from home who move single vehicles between locations on a regular basis, but also applies to large showrooms that move multiple vehicles within their own premises or for the purpose of test drives. Larger motor trade businesses with premises will require traders combined cover.

Speak to an expert

To secure the best road risk insurance policy for your business, feel free to speak to one of our experts who can help you access a number of exclusive and competitive premiums from leading UK insurance providers.

Our team are on-hand to provide tailored quotes and professional advice that considers the unique features of your operations and services, offering you the right motor trade insurance policy to future-proof your success.

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