Road Risk Insurance

What is a Road Risk Insurance Policy

A Road Risk policy will allow you and your staff to drive business vehicles as well as customers vehicles on the public road. Having this type of insurance is a great benefit to your business particularly when you are moving from repair to repair or if you need to move a vehicle either at your customers home or if you are working for a larger organisation moving vehicles around their sales pitch or in and out of their premises.

What does a Road Risks Insurance Policy Cover?

Road Risks insurance is very similar to a car policy, you can select which cover better suits your needs, Third Party Only, Third Party Fire & Theft or Fully Comprehensive. As a vehicle body repairer, you will be driving your own vehicles as well as your customers vehicle, both could be high value therefore comprehensive cover is always recommended.

As your business grows you may have staff that also need to drive, these can easily be added for use in the business to drive business or customers vehicles. As the owner you will be able to use the business vehicles for pleasure too.

If you work from commercial business premises there are times when you may need to keep your customers vehicle, providing them with a loan vehicle enables your customer to continue driving, this type of insurance is referred to as loan and hire and is easily added to the motor trade insurance policy under the road risks section.