Road Risk Insurance
Road Risk Insurance Cover for Motor Trade Professionals
If you work in the motor trade industry, driving and handling vehicles is a daily part of your business. Whether you repair, buy, sell, or deliver vehicles, having the right insurance is essential to protect yourself, your business, and the vehicles you work with.
ABA Insurance provides specialist Road Risk Insurance, offering tailored protection for motor traders, mechanics, car dealers, and vehicle delivery professionals. Our policies ensure you’re legally covered to drive customer vehicles, your own trade vehicles, and those in your care.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Road Risk Insurance?
Road Risk Insurance is a specialist motor trade policy that allows individuals and businesses in the motor trade industry to drive, repair, and handle vehicles that do not belong to them. It is essential for anyone who buys, sells, repairs, or transports vehicles as part of their business.
This insurance is essential for:
- Car dealers and motor traders
- Mechanics and vehicle repair businesses
- Valeters and car detailers
- Vehicle delivery and recovery businesses
- Mobile mechanics and breakdown recovery services
Without the right cover, motor trade professionals risk financial loss, legal penalties, and liability for damage to customer vehicles.
Why Do You Need Road Risk Insurance?
Legal Cover for Driving Customer Vehicles
If you need to drive, test, or move customer cars, standard motor insurance won’t cover you. Road Risk Insurance ensures you are legally allowed to operate vehicles for business purposes.
Protection Against Accidents and Damage
If a customer’s vehicle is damaged while in your possession, you could be held liable. Road Risk Insurance helps cover repair costs, third-party claims, and legal fees.
Cover for Business Vehicles and Stock
For car dealers and traders, this policy protects vehicles you own, sell, or trade as part of your business.
Flexible Cover for Different Business Sizes
Whether you operate from home, a garage, or a car lot, our policies can be tailored to suit sole traders, partnerships, and larger motor trade businesses.
Compliance with UK Motor Trade Regulations
If you work in the motor trade, you are required to have specialist insurance. Road Risk Insurance ensures you are legally compliant and protected.
What Does Road Risk Insurance Cover?
- Third-party only cover – Meets UK legal requirements and covers damage to third-party vehicles and property
- Third-party, fire, and theft – Covers third-party claims plus theft and fire damage to trade vehicles
- Comprehensive cover – Protects your vehicles, customer vehicles, and provides full liability coverage
- Demonstration cover – Allows customers to test-drive vehicles for sale
- Business premises insurance – Covers garages, car lots, and showrooms
- Liability insurance – Protects against claims from customers or employees
- Stock of vehicles cover – Protection for cars in your trade stock against theft or damage
Get The Right Business Insurance
How To Get The Right Road Risk Insurance Policy
Need to Drive Customer Cars for Repairs or Testing?
Many mechanics and dealers need to legally drive multiple vehicles. Our insurance provides flexible cover for all motor trade activities.
Worried About Vehicle Theft or Accidental Damage?
Car dealerships and garages are high-risk targets for theft and vandalism. Our policies ensure your vehicles are fully covered.
Need a Policy That Covers Multiple Vehicles?
Standard car insurance policies only cover named vehicles. Road Risk Insurance allows you to drive any vehicle in your care, custody, or control.
Concerned About Liability and Legal Costs?
If a vehicle is damaged during servicing, valeting, or transport, legal claims can be costly. Our policies help protect against financial losses and legal disputes.
Looking for Cost-Effective Cover?
We offer tailored policies based on your business size, vehicle types, and risk level, ensuring affordable and flexible protection.
How Much Does Road Risk Insurance Cost?
The cost of Road Risk Insurance depends on:
- The type of motor trade business you operate
- The number of vehicles covered
- The level of cover chosen (third-party, fire & theft, or comprehensive)
- Your business location and security measures
- Previous claims history and driving records
ABA Insurance provides customised policies at competitive rates, ensuring you receive the right protection at the best value.
Why Choose ABA Insurance for Road Risk Insurance?
- Industry expertise with specialist cover for motor traders
- Flexible policies designed for small and large businesses
- Competitive pricing with cost-effective insurance solutions
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Road Risk Insurance Today
Ensure your motor trade business is legally protected with Road Risk Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.