Motor Trade Premises Insurance

Working in the motor trade means you'll have invested in the right tools for the job. Our premises insurance is all about protecting these assets and covering you against third-party claims too.

• 25 years' experience
• Highly rated by customers
• Tailored cover to suit your needs

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Think of us as another tool of the trade

We understand that motor traders like you invest a lot of money into their business premises, equipment and tools in order to do a good job. Whether you keep a large stock of vehicles at your premises or expensive tools in your van – the last thing you want is for any of it to be stolen or damaged.

That’s where we come in. Our cover keeps your premises and equipment protected – even buildings you lease, rather than own.

What does it cover?

Damage to the buildings (optional)
Contents, such as tools, machinery, plant, fixtures and fittings (if you have a Hire Purchase or other lease agreement, we can normally note the interest of another party on the policy)
Liability insurance – Employers’ Liability, Public Liability and Products Liability
Damage to vehicles left on the business premises, whether stock or owned for personal use
Theft of money
Business interruption, covering you against a fall in your profit if you can’t trade at your normal (subject to criteria and T&Cs)
Personal possessions of customers and employees

Cover options:

Buildings cover:		Up to £200,000
Contents cover:		Up to £140,000 (total cover)
Vehicles at premises:		Up to £100,000
Annual Gross Profit:		Choice of £50,000 or £100,000
Employers’ Liability:		£10M limit of indemnity
Public Liability		A choice of £1M, £2M or £5M
Product Liability		A choice of £1M, £2M or £5M however, the products indemnity cannot be more than the public liability indemnity

Please note that our Premises cover must be bought alongside our Road Risks Insurance.

If you want to find out more about the cover options available, just get in touch or take a look at our Premises Summary of Cover, which outlines your options and any exclusions.

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.