Road Risk Insurance

If You Move Vehicles Belonging To Other People, You’ll Need Road Risk Insurance.

If you are a part time motor trader or trade from your home address, Road Risk Insurance is the minimum level of cover you will need if you are driving cars that you don’t own but are responsible for. Although part of all motor trade policies, Road Risk Insurance can be taken out as a policy on it’s own. Cover starts at Third Party only to cover any damage to someone else’s car or property in the event of an accident.

Just fill in our online quote form below to get great savings on a Road Risk Insurance policy.

Alternatively you can call us on 01227 285540

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We Have The Lowest Road Risk Insurance Prices

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We Price Compare A Wide Range Of Insurers For You

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We Can Cover Full & Part Time Motor Traders

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Most Motor Trades Covered

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Full Asset Cover Available

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Specific Trade Cover Available Making Things Easy


  • Please Complete Our Quick Quote Form
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What Is Road Risk Insurance?

Road Risk Insurance is the bare minimum level of insurance cover required by law that you will need to operate within the motor trade. This provides you with cover for driving any vehicle in your care, custody or control that isn’t owned by you.
It is similar to personal car insurance in giving you three levels of cover to choose from;

  • Third Party – Will cover injury, loss or damage to a third party and their vehicle but not to you or your vehicle. Any passengers in your car would be covered.
  • Third Party, Fire & Theft – Covered as Third Party Only but in addition this level of cover pays out for damage, theft, fire or loss to vehicles that you (the motor trader) are responsible for within your work duties.
  • Fully Comprehensive – As well as covering two levels of cover, you would be covered for accidental damage to any vehicles that you are responsible for or own. If  you were  driving one of your customer’s cars and were to be involved in an accident and the car was damaged,  the insurance company would pay for the repairs (less the excess).

– Most people believe that Third Party only cover will be the cheapest option but it is worth getting a quote for Fully Comprehensive cover as the difference might offer much better value for money and save you a huge sum of money in the event of an accident.

About Our Combined Policies

Get a More Specific Quote

Whilst we offer Road Risk insurance as a standalone policy, some motor trades will typically require a more tailored package to cover assets, tools & equipment or premises. Combining these policies will save you money.
You can find out more about these packages by selecting a link below.

Why get a combined motor trade policy?

Often people can save money on their insurance cover by combining additional cover for such things as tools, premises, specialist machinery or equipment that could cost hundreds or thousands of pounds to repair or replace if damaged or stolen. When we talk to you about your quote, you can simply ask for a quote for Road Risk insurance and we will quote you for that. As our insurers offer cover for these extras, it is normally more cost effective to combine the separate items under one policy. In most cases, the renewal date is the same and so it makes life a lot easier to have all your business insurance requirements under one simple to manage policy.

We have built a reputation on providing good value insurance which comes from providing the correct insurance for each individual customer or business. A Road Risk policy is your base level cover as set out in the Road Traffic Act 1988 – section 143.

Quote Me Today will help you to make correct, informed decisions.
Our prices are always low and will vary based on several factors such as your driving and claims history, your trading area, the number of cars you sell or repair and the level of cover you require.

Please Note: We specialise in policy holders from the ages of 25, but we can accommodate named drivers under this age on a referral basis.
Please call with your specific needs so we can deal with your request appropriately.

Why Quote Me Today?

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We’ll Do The Price Comparison For You.

We have access to the largest panel of motor trade insurers in the UK to guarantee you get the lowest prices without sacrificing your cover.


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Great Deals For Part Time Motor Traders

Even if you only trade as a part time motor trader, we have the flexibility with our policies to save you money and tailor a quote to those hours.


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Combined Insurance Cover That Works For You

Whether you just require Road Risks Insurance or a combined policy covering your business and liability too, we can tailor a cover package that works for you.


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Instant Cover Available

If you are happy with our quote, we can put on you cover straight away. All you will need is your credit or debit card.


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Flexible Payment Options

We can help you spread the cost of your payments on a monthly basis to make things easier.


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Years Of Experience

Quote Me Today has been in business for a long time providing low cost commercial and trade insurance to thousands of customers.


Which Businesses Require Road Risk Insurance?

There are many types of businesses and skilled trades that fall under the category of motor trade. We can provide cover for nearly all types of motor trader.
The list below shows some examples of the types of business that are considered “Motor Trade” businesses.

  • Auto Electricians
  • Body Customisation Garages
  • Bodyshop & Repairs
  • Car Delivery Agents
  • Classic Car Repair Shops
  • Full Time Auto Traders
  • Imported Vehicle Dealerships
  • Part Time Auto Traders
  • Tyre & Exhaust Fitters
  • Vehicle Alarm Fitters
  • Vehicle Recovery Drivers
  • Wheel Repair Specialists


Unsure?
Why not call us on
01227 285 540

About Our Combined Motor Trade Insurance Policies.

Our traders combined insurance will be tailored to meet your specific business requirements, whether it is your full time or part time occupation and whether you work from your home or a separate business premises. Usually, a combined motor trade insurance policy will consist of several parts. We will recommend the elements of a policy that will be most beneficial to your individual situation but you can choose the cover you need.

All of the types of cover can be combined into one policy to suit your requirements:

Cover For Driving Vehicles On The Road (Road Risk)

-€“ This is the bare minimum insurance cover you will need to operate within the motor trade. This provides you with cover for driving any vehicle in your care, custody or control that isn’t owned by you. This part of the cover is similar to personal car insurance in giving you three levels of cover;

  • Third Party – Will cover injury, loss or damage to a third party and their vehicle but not to you or your vehicle. Any passengers in your car would be covered.
  • Third Party, Fire & Theft – Covered as Third Party Only but in addition this level of cover pays out for damage, theft, fire or loss to vehicles that you (the motor trader) are responsible for within your work duties.
  • Fully Comprehensive – As well as covering two levels of cover, you would be covered for accidental damage to any vehicles that you are responsible for or own. If  you were  driving one of your customer’s cars and were to be involved in an accident and the car was damaged,  the insurance company would pay for the repairs (less the excess).

Public Liability Insurance

– This will protect your business from claims made against you by third parties for injuries or damage to property, caused as a result of your business activities. For example if you sold a car that was involved in an accident on the customer’€™s journey home due to a brake failure or a tyre working itself loose following its replacement at your facility, you would be covered for any damages to the customer’s property or assets.

Employer’s Liability Insurance

-€“ You are required if you employ anyone, to cover the cost of compensation, should they be unfortunate to be injured whilst at work.

Asset Cover

-€“ This will cover for the cars you have in stock, your tools and machinery, your office equipment and even your business premises can be added into a combined policy should you need it.


In addition to being able to tailor your road risk and liability cover to suit your needs, we also have a range of additional cover options to give you extra peace of mind, including:

Legal Expenses Cover

-€“ Legal expenses cover is a type of insurance you can buy as part of your motor trade insurance to cover yourself against the potential costs of legal action either brought by you or against you as a road user.

Breakdown Cover

-€“ This will cover your own vehicle, so you can be recovered back to your premises in the event of a breakdown.

Excess Protection

-€“ If you are unfortunate enough to need to make a claim you can recover your excess after the event.

Windscreen Cover

-€“ We offer cover for the repair or replacement of damaged windows or the windscreen of vehicles owned by the policy holder.

All our additional policies have different covers, so please check your policy wording.

Get An Instant Quote for Road Risk Cover

Our advisors are there to answer any questions you may have and explain more about our policies.

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