Road Risks

Provides cover for any vehicle owned by you or in your custody or control in connection with your business. Cover also applies for vehicles away from your business premises within defined territorial limits and whilst such vehicles are temporarily in the custody or control of your sub-contractors. Cover is provided whilst the vehicle is being used in connection with your motor trade business and for social, domestic and pleasure purposes by principals, partners, directors, their spouses and employees.

The level of cover chosen can vary and a brief summary of the cover provided by each option is as follows:

Third Party Only – Cover in accordance with the requirements of the Road Traffic Acts giving unlimited legal liability cover for death or injury to any third party arising out of the use of the vehicle.

Third Party, Fire and Theft – In addition to Third Party cover as defined above, cover is also provided for loss of or damage to the vehicle caused by fire or theft only. In the event of a claim, your insurers will repair the vehicle, provide a replacement vehicle or reimburse the market value of the vehicle.

Comprehensive – In addition to Third Party cover, cover is provided for loss of or damage to the vehicle caused by fire, theft or following an accident, irrespective of who is at fault for the accident, and malicious damage. In the event of a claim, your insurers will repair the damaged vehicle, provide a replacement vehicle or reimburse the market value of the vehicle.
Cover can be extended to include social, domestic and pleasure use by either named persons or unnamed relatives and friends of partners or directors.