Vehicle Sales Insurance

You have three different levels of protection to choose from:

• Third party only — covers damage to third party vehicles while driving, but no protection for your own vehicles.
• Third party fire and theft — protects against third party damage, as well as fire and theft of vehicles you own.
• Comprehensive — fully comprehensive cover includes protection for both you and third parties against various accidents, injuries, and damage.

Car sales insurance policies may also include the following:

• Combined motor trade insurance — if you work from business premises, combined motor trade insurance provides extra protection for your dealership, especially for stock you store on site.
• Liability cover — choose between public or employers’ liability cover (or both) for protection against injury and accident claims while on your premises.
• Professional indemnity insurance — protects your business if a customer claims negligent services or stock.
• Loss of income cover — pays you a regular income if you’re unable to work; for example, as a result of business closure due to a fire.
• Directors’ and officers’ cover — covers fees associated with claims against directors and officers of your business; for example, negligent service.
• Tools and equipment cover — provides cover for tools and equipment in the event of loss, theft, or damage.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.