Motor-trade answers
Motor Trade Insurance FAQs
Questions about road risks, customer vehicles, part-time trading, tools and the difference between driving cover and a combined policy.
Each card below contains a short summary rather than repeating the complete answer. Open the dedicated FAQ page for the full explanation, related distinctions and links to supporting guidance.
Are customer vehicles covered while at my garage?
Protection for customer vehicles depends on custody, storage, work, road testing, values and the relevant policy section.
Read the full answer →Can a part-time motor trader get insurance?
A checklist of the trading evidence, storage arrangements and activity details a part-time operator may be asked to demonstrate.
Read the full answer →Do I need motor trade insurance to drive customer vehicles?
Driving a customer vehicle normally requires cover that permits the motor-trade activity, the driver and the specific journey.
Read the full answer →Does motor trade insurance cover tools and diagnostic equipment?
Key questions about workshop property, portable devices, unattended vehicles, replacement values and theft conditions.
Read the full answer →Road Risk vs Combined Motor Trade Insurance
A three-part loss test for deciding whether the requirement concerns vehicle use alone or the property, people and income behind the trade.
Read the full answer →