A combined policy should provide a business in the motor trade with comprehensive cover for their business operation.
In addition to road risk insurance, which is vital to the day to day operation of the company, combined insurance also incorporates the business premises. This policy can vary depending on the nature and size of the business, but will generally cover the property itself, as well as tools, stock, machinery and other contents. Additional cover can be arranged to protect against business interruption as well as incorporating employee and public liability policies.
Road risk cover entitles the person or persons named on the policy to use trade vehicles on the public highway. Trade vehicles are vehicles in the possession of the named persons in association with the motor trade. A combined policy allows you to combine this vehicular insurance with your building, contents, tool and liability insurance policies, resulting in a cheaper deal.
To discuss your needs and get a quote reflecting your circumstances, call Rapid Cover now on 01204 392 525.
Road Risk Combined insurance not only covers the named persons to use their vehicle/s in association with the motor trade but also covers things such as trade vehicles kept at the premises overnight, damage to the vehicles as a result of accidents in association with the premises, such as fire, theft or ramp failure. It also covers actual damage to the premises. If requested, the policy can cover tools to any value (provided they are listed on the policy), ramps, snap on tools, heavy duty tool boxes including contents and power/air tools. In addition to this, extra products can be added to the policy for very little premium such as public and employee liability cover for extra piece of mind.