Motor Trade & Training School Insurance FAQs

The more you have covered, the more expensive it is. However, a brief summary of cover  may help you make a more informed decision.

Premises cover is cover for the building itself, if you rent the building this may not be needed but please check with your landlord first.

This covers your stock against insured perils. Stock may be divided into different categories as some stock is deemed higher risk than others. For example, leather jackets are considered to be a high theft risk.

This gives you cover if your normal trade is affected by an insured peril such as fire or flood. Standard cover is for 12 months but you can chose a longer period if you think it necessary.

This cover gives protection should a member of the public suffer an injury or damage to their property or person whilst on your premises. For example, if they slip on a wet floor and hurt themselves.

This will offer cover for accidental bodily injury or property damage. Subject to the policy conditions.

This is cover is required by law if you employ staff and covers you if a member of staff  has an accident at work and then progresses to make a claim against you.

This cover is recommended if your staff use any form of lifting gear. This will give your workshop a clean bill of health for any plant that requires inspection. Some plant and in particular, lifting gear are required to be inspected at least once a year.      

Lifting Operations and Lifting Equipment Regulations 1998 (LOLER) need to be adhered to.

This cover will enable you to allow potential customers to test drive a vehicle before purchasing.

This cover allows you to loan or hire a vehicle to a customer who has brought their own vehicle in to you for service or repair.

This gives cover for your vehicles used on the road, whether it is your own vehicle or whether you are road testing a customer’s vehicle.

Yes, they are still in your employment.

A warranty is applied to a policy when insurers need to make sure that certain requirements are complied with. If a warranty is applied to a policy it MUST be fully complied with. It may prejudice a claim if not fully observed.

Yes, instalment facilities are available.

Yes, whilst we are based in Romford, we have staff that can visit to discuss any issues.

Most instructors will have their own bike insured for personal use in connection with tuition but if not, your bike can be included on your policy for your business use.

This offers cover for negligent tuition and unlike other policies, ours does include bodily injury.

This is cover is required by law if you employ staff and covers you if a member of staff  has an accident at work and then progresses to make a claim against you.

A standard policy covers the bikes whilst in use. This cover also extends the policy to cover overnight storage in a secure building or container.

This extends the policy to include the hire of 50cc up to 125cc motorcycles for your more competent students, so that they can practice their riding after they have attained their CBT.

Yes, these can be included if they are used primarily in connection with motorcycle training.

This gives you cover if your normal trade is affected by an insured peril such as fire or flood. Standard cover is for 12 months but you can chose a longer period if you think it necessary. This cover is only available if you have all risks cover.

That’s ok. We are happy to tailor the policy to suit you.

Yes, providing he takes the direct route. We understand that you may have a group booking and it is not reasonable to ask the first student to hang around for another couple of hours whilst other candidates take their test.