Motor trade

Cover is provided on an All Risks basis and includes the following:

• Damage to your own customers’ vehicle in or on the premises, including the private premises of the Insured, his directors, partners or employees.

• Damage to Forecourt Facilities.

• Cover on Stock in Transit (excluding vehicles).

• Theft cover following forcible and violent entry or exit (but this restriction does not apply to theft of an insured vehicle).

• Replacement of locks following Theft of keys from your own premises, or home, up to £500.

• Loss of Gross Profit as a result of a reduced level of trading.

• Reasonable expenses necessarily incurred to maintain trading and reduce the loss of Gross Profit such as the costs of renting and setting up temporary premises.

• Book debts and additional expenses incurred in tracing them following destruction or damage to business records.

• Money

• Employers Liability

• Public Liability

• Road Risks

• Breakage or windscreens will be paid in full, regardless of any excess, and will not affect your No Claims Discount.

• Third Party Liability for injury to persons including passengers - no financial limit for damage to property - up to £1 million caused by your vehicles or those in your custody or control on the road. This cover includes passengers’ acts of negligence. Cover also includes your legal liability for loss of use of customers’ vehicles following damage insured by the policy.

• Cost of Legal Defence - Unlimited cover for the costs of legal representation at an inquest or in court following an accident, including the costs of defending a charge of manslaughter or causing death by dangerous driving.

• Emergency Treatment fees as required by the Road Traffic Acts. Payment will not prejudice No Claims Discount.

• Demonstration Risks permit customers to test drive vehicles provided they are accompanied by one of your employees. Vehicles loaned or hired to customers whilst their vehicle is in your hands for service or repair.