Road Risk Motor Trade Insurance

Generally not. Road risk covers driving rather than storage, so a vehicle sitting on your driveway overnight is usually outside it unless something has been added specifically.

Any vehicle in your charge for trade purposes, up to the value limit on the policy and within the driving conditions. Both of those are worth reading rather than assuming.

It depends on what you would do if you damaged a customer vehicle. Third party leaves that with you, which is a difficult conversation in a trade that runs on reputation.

Sometimes, sometimes not. Many traders want to use a trade vehicle privately, and it needs to be added rather than assumed. Ask directly, because the wording varies.

Yes. Moving from road risk to a combined policy is a normal step once a business takes a unit, and it is usually done at renewal rather than mid-term.

If anybody visits you or you work at their premises, it is worth having. Road risk does not include it, and a mobile trader working on a customer driveway is exposed without it.

Not covered by road risk. Tools need their own section or a separate policy of their own, which mobile traders frequently discover only after a van break-in has already taken several hundred pounds of equipment out of the back.

Once you handle vehicles belonging to somebody else, yes. A private or ordinary business policy is not written for vehicles in your custody, and the gap only becomes visible at claim time.

Road risk if the work happens at the customer or on the road. Combined if you have premises worth protecting, stock on site or tools you could not replace quickly.

They can, where they are declared and meet the age and licence terms. Insurers expect to be told about anyone who drives, including people helping out at weekends.

Trade policies generally set one, and it is often higher than on a private policy. Younger drivers can usually be added, but the terms and the excess will reflect it.

That depends on whether you have taken premises cover. Road risk is about driving; vehicles standing on site need the combined side of a policy to be properly protected.

Almost always. Insurers set out where keys must be kept and how, and a claim following keys left in or near a vehicle is the one most likely to be refused.

They are usually covered within the trade policy rather than separately, but confirm it. Their use is also governed by rules of its own that sit alongside the insurance.

Usually a day or less once the information is complete. Having the driver details, the turnover figure and the claims history ready before you start is what turns a week of messages into a single conversation with a broker.