Motor Trade Insurance

Wrightsure Insurance Group has been arranging unique insurance solutions to the Motor Trade Industry for many years. From a sole trader to a large main dealer we can provide cover for all.

In order to arrange the right policy, we sit down with you, get to understand your business, only then can we advise you on the risks your business faces on a daily basis. Many of our existing fleet clients also have an element of Motor Trade within their business and we often source policies for them with wide ranging cover along with competitive premiums. Motor Trade policies for HGV’s, Coach & Bus operations can be tricky, we work with insurers to provide extensions in cover specifically for the industry.

This insurance cover is designed to meet the needs of businesses in the Motor Trade Sector. Below are details of different sections available which can be combined as a whole package, it is not intended to be exhaustive and does not give details of all the terms, conditions and exclusions which may apply. To discuss specific Demands and Needs please contact us.

 

Road Risks

As a Motor Trader, you are exposed to risks in your business through the use of vehicles both at your premises and away from them. This section provides cover for loss or damage to vehicles that you own or are in your care, custody and control, and used in the course of your business on a road other than premises or land belonging to you. Cover is available on a Comprehensive, Third Party Fire and Theft or Third Party Only Basis.

Property Damage

This section covers property at your premises on an accidental damage basis, including breakage of glass, buildings, machinery and plant, computer equipment, stock, forecourt facilities (such as fuel installations, oil pumps, tanks etc) and vehicles owned by you, or held by you for which you are legally responsible.

Business Interruption

Damage to your property can seriously affect your ability to trade effectively. This section provides protection if trading is interrupted or extra expense incurred following damage to your property by one of the insured perils covered under the Property section.

Employer's Liability

Your legal liability for any injury, death or disease to your employees arising out of and in the course of their employment by you is covered in this section. This will pay damages, claimants’ costs and expenses that you are legally liable to pay.

Public Liability

Your legal liability for any injury, death or disease to your employees arising out of and in the course of their employment by you is covered in this section. This will pay damages, claimants’ costs and expenses that you are legally liable to pay.

Injury, death, disease or loss of damage to property of individuals

Repair, service and maintenance – Servicing Indemnity