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Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
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Essential Protection for Driving in the Motor Trade

Whether you’re a part-time trader working from home or run a full-scale garage operation, Motor Trade Road Risk Insurance is a legal and practical necessity. If you drive vehicles for business—such as customer test drives, vehicle collection and delivery, or simply moving cars between sites—then road risk cover is the foundation of your insurance needs.

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Road Risk Insurance

What Is Motor Trade Road Risk Insurance?

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Road risk insurance allows motor traders to drive vehicles they don’t own, for motor trade purposes. This can include:

  • Test driving customer vehicles
  • Collecting or delivering vehicles
  • Moving stock vehicles
  • Driving between garage or service locations

It is designed for individuals or businesses operating full-time or part-time in the motor trade, and is often the first step in becoming legally insured.

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Levels of Cover Explained

As with private car insurance, there are three main levels of road risk cover:

Third Party Only (TPO)

The minimum legal requirement in the UK Covers damage to other people’s vehicles or property in the event of a fault or partial-fault accident Does not cover damage to vehicles in your possession

Third Party, Fire and Theft (TPFT)

Includes all Third Party Only cover Adds protection against fire damage or theft of a vehicle in your custody

Comprehensive

Includes all the above Covers accidental damage to vehicles in your custody, even if you’re at fault Highly recommended for anyone dealing with customer vehicles

What’s Not Covered by Road Risk Insurance?

You’ll come across two key terms in your policy:

1. Motor Trade Use : You are covered to drive any vehicle in your custody or control for business purposes—test drives, transporting vehicles, etc.

2. Social, Domestic & Pleasure (SD&P Use) : Covers only your own vehicles for personal use—such as driving to the shops or on holiday.

You are not covered to use other people’s vehicles for personal use (e.g. driving a customer’s car to the supermarket).

Do You Need Road Risk Insurance?

If you handle, drive, or move any vehicles as part of your motor trade activity, the answer is almost always yes. Without it, you’re not legally covered to drive vehicles that aren’t yours—even if they’re for business use.

Whether you're:

  • Selling cars from home
  • Running a garage or MOT station
  • Delivering vehicles to customers
  • Offering repairs or diagnostics

A Road Risk Insurance policy gives you the flexibility and legal protection you need to run your business safely.

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About Us

Why Choose Our Road Risk Cover?

  • Flexible options for part-time or full-time traders
  • All cover levels available: TPO, TPFT, and Comprehensive
  • Competitive premiums with monthly payments
  • Can be bundled with tools, premises, liability, or vehicles-in-transit insurance
  • Access unique schemes you won’t find anywhere else.
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Drive Legally. Trade Confidently.

Start your motor trade business on the right foot. With the right Motor Trade Road Risk Insurance, you're protected every time you get behind the wheel.

Specialist Insurance for Every Corner of the Motor Trade

Whether you're part-time, full-time, mobile, or premises-based, we provide tailored insurance solutions for a wide range of motor trade professions. From mechanics to delivery drivers, we’ve got you covered.

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Motor Trade Occupations We Insure:

Vehicle Recovery Operators

For those transporting broken-down or damaged vehicles using recovery trucks or trailers.

Trade Plate Drivers

For professional drivers delivering vehicles on trade plates between dealerships, customers, or auctions.

Vehicle Collection & Delivery Drivers

For individuals or businesses collecting or delivering vehicles on behalf of garages, traders, or private clients.

Mobile Mechanics

Repair and service vehicles at customers’ locations—at home, roadside, or work.

Garage-Based Mechanics & Technicians

Work from fixed premises, providing repairs, servicing, diagnostics, or MOT preparation.

Part-Time Motor Traders

Individuals selling or repairing vehicles on a part-time basis—often from home or a small unit.

Used Car Dealers (Home or Premises-Based)

Buy and sell vehicles either online, from home, or from a dedicated forecourt or showroom.

Vehicle Transporters (up to 44T GVW)

For businesses operating single or multi-car transporters for trade delivery, auction work, or long-distance haulage.

Classic & Prestige Vehicle Traders

Those dealing in high-value, classic, or performance cars.

Body shops & Paint Shops

Specialising in panel repair, accident damage, respraying, and cosmetic restoration.

Breakdown Operators

Respond to roadside breakdowns, recover vehicles, and transport them to workshops or customers.

Valeters & Detailers

Offering vehicle cleaning, valeting, polishing, and detailing services from mobile units or fixed premises.

Vehicle Repossession Agents

Recover vehicles on behalf of finance companies or lenders.

Vehicle Tuners & Modifiers

Businesses focusing on performance upgrades, ECU remapping, or aesthetic modifications.

MOT Stations

Offering government-regulated MOT testing and associated repairs.

Diagnostic Specialists

Experts using diagnostic tools and software to identify faults in modern vehicles.

Windscreen Fitters & Repairers

Replace or repair windscreens and automotive glass, often via mobile service.

Tyre Fitters & Mobile Tyre Services

Operate tyre replacement or repair services, either at a fixed location or on the move.

Auto Electricians

Focus on vehicle electronics and fault finding—often working independently or with garages.

Scrap Car Dealers

Licensed businesses collecting and disposing of vehicles for parts or recycling.

Project Vehicle Builders & Kit Car Specialists

Work on part-built, restoration, or custom kit cars for sale or show.

Non-Standard & Specialist Cases Also Welcome

  • Motor Traders with Convictions – Cover available for those with motoring or criminal convictions.
  • Traders with Cancelled or Declined Insurance - We can help you get back on the road with specialist schemes.
Whatever Your Trade—We’ve Got You Covered

From tools in the van to vehicles at premises, road risk to liability—we offer a complete range of Motor Trade Insurance products for all roles listed above.

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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.