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INSURANCE COVER FOR ROAD RISKS ONLY, MOBILE
MECHANICS AND BONA FIDE MOTOR TRADERS AND CAR DEALERS WORKING
FROM HOME.
Competitive specialist road risks schemes for
bona fide motor traders and car dealers seeking road risks
and tradesman such as mobile motor mechanics.
Through our network of motor trade insurance brokers, UK Commercial
Ltd offer expert knowledge and schemed motor trade insurance
products to the motor trade industry.
Just complete our simple motor trade insurance enquiry form
and a specialist motor trade insurance expert in road risks
cover will contact you directly during normal working hours.
MOTOR TRADER ROAD RISKS QUOTE ENQUIRY FORM
The information collected on this page is
for use with this specific request for a motor trader road
risks quote only. It will not be used for any other purpose.
Road Risks Insurance
It might be useful here to reconsider what, exactly, is meant
by a ‘road’ in the terms of the Road Traffic Acts
and thus in the context of motor vehicle insurance. A ‘road’
for these purposes is a road to which the public may have
access, the road need not be repairable at public expense
and may even form part of a ‘private’ property,
but if the public have access thereto at any time the insurance
provisions of the Road Traffic Acts apply.
In Cox v White
(1976) the view was expressed that what, exactly, constitutes
‘access’ must depends on the facts of each individual
case; if there were a notice on the road saying ‘No
public vehicular right of way’ but the owners of the
road nonetheless had never sought to impose the ban and has
thus given their implied consent to the road being used by
the general public, the thoroughfare should be considered
to be a ‘road’ within the definition of the Road
Traffic Act and the insurance provisions of the Act should
apply.
In the context of the insurance of motor third party
liability insurance, including that relative to the motor
trade, this definition can be important;
for example, a motor
trader may wish to test-drive a vehicle around an industrial
estate on which his premises are situated and may feel that
since the estate is, essentially, private he does not need
to arrange insurance in accordance with the Road Traffic Act.
On the other hand, if – as was the case in Cox v White
– the public do have access to a road leading through
the estate, the trader would need to arrange adequate insurance
cover and could face not only a substantial third party claim,
but also a police prosecution if he did not.
Under the heading of ‘Road Risks
Insurance’ provision is made for insurance against accident,
loss or damage while any vehicle (the property of the insured
or in his custody or control) described in the schedule to
the policy is on the road or is temporarily garaged during
the course of a journey elsewhere than in or on any premises
owned by or in the occupation of the insured.
Separate and more specific insurance must be arranged if cover
is required whilst the vehicles are at the insured’s
own premises.
Insurance can be arranged under one of several schemes. These
have been devised to give a premium commensurate with the
risk without imposing unreasonable or difficult conditions
upon the insured.
Road risks proposal form
For motor trade road risks insurances some insurers use the ordinary commercial motor vehicle proposal form and the data for rating are obtained specially. A supplementary declaration is required when a policy is arranged on a points basis in order that the number of points may be correctly computed. Where a specialist proposal form is used the additional questions are designed to provide details of the nature of the motor trade business for which the insurance is required, i.e. whether the business is basically repairing, in which case there will generally be little driving by customers, or car sales, in which test-driving will be frequent, or general motor trade, which will include both these features and, possibly, hiring.
This
service is provided by UK Commercial Ltd.
(UK
Commercial Insurance)
UK Commercial is authorised and regulated by the Financial
Services Authority to provide motor trade insurance introductions
to authorised third parties.
UK Commercial's FSA number is 315289.
Please refer to www.fsa.gov.uk/register for more details.
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