Physical assets
Buildings, contents, machinery, stock, signs, computers and improvements made by a tenant.
Combined motor trade cover
Motor Trade Premises Insurance
Buildings, machinery, customer vehicles, stock and income can all be affected by one incident. A combined policy can bring these connected risks together.
CoverPilot is in pre-launch and is not currently providing quotations.
Road risk insurance does not protect the whole premises
Road risk cover is centred on driving vehicles for motor trade purposes. A business with a workshop, yard, office, machinery or stock normally has wider exposures that need separate consideration.
Insurers will assess construction, occupancy, security, heating, fire protection, waste handling, neighbouring risks and the values concentrated at the address.
Continuing the business
Loss of income, increased costs, alternative premises and the time needed to recover after damage.
Check the values, not just the cover names
Rebuilding cost is different from market value. Machinery should reflect replacement cost, and interruption calculations need enough time and money to restore trading.
Customer vehicles
Establish the maximum number and total value of vehicles that could be on site, including vehicles stored overnight or awaiting parts.
How customer vehicles may be covered →