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Short answer: not necessarily. Motor trade road risks cover may insure specified motor liabilities while vehicles are driven for the business, but it may not cover every customer car while stored at your premises overnight.
Identify the risk sections
Check whether the policy includes customers’ vehicles in your custody or control, accidental damage while being worked on, fire, theft and vehicles kept outside business hours. The schedule may set limits for each vehicle and for the total at the premises. Keys, alarms, locked compounds and overnight storage may be subject to specific conditions.
Road risks and premises liability answer different questions. A road risks certificate does not automatically insure tools, workshop equipment or customer property while stationary. Your garage’s activities also matter: servicing, repairs, recovery, sales, valeting and vehicle storage can be rated and covered differently.
Before accepting a vehicle
- Record registration, condition, customer authority and agreed work.
- Confirm the vehicle and activity fit the policy schedule.
- Follow security requirements for keys, parking and out-of-hours access.
- Ask whether courtesy cars, recovery vehicles and test drives are included.
Review Insure24’s business insurance information and contact the broker with your garage operations. Insure24 is a broker; insurer terms and claims decisions depend on the wording and circumstances.
General information only. Check your motor trade schedule and wording.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Motor Trade Business Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.