We
are able to offer quotations for all Motor Traders, including
part time, working from home or trade premises. The cover
varies from the basic Road Risks Only to a Full Motor Trade
Combined policy. Below is a summary of the cover available.
Road Risks Only
This is available for Comprehensive, Third Party Fire & Theft or Third Party only and provides cover for vehicles owned by you, or which are in your custody or control in connection with your business. The vehicles are covered whilst on the road or when temporarily parked in the course of a journey, BUT NOT AT, OR IN THE VICINITY OF, YOUR TRADE PREMISES.
Stock of Vehicles
This will extend the cover on Road Risks Only to include cover for vehicles while at, or in the vicinity of, your trade premises.
Internal or Garage Risks
Designed to cover the Buildings and Contents of your trade premises against Fire and other Perils.including Storm, Flood, Theft and Malicious Damage.
Business Interruption
Also known as Consequential Loss, this is designed to cover the Insureds loss of trading profits following a loss which occurs under one of the insured perils on the policy.
Goods in Transit
Designed to include the property shown in the Schedule against ALL RISKS OF PHYSICAL LOSS OR DAMAGE within the Geographical Limits stated whilst carried in the Insured's own vehicle and/or trailers. Can be extended to cover motor vehicles on a vehicle transporter (maximum two vehicles capacity), being collected or delivered.
Money
Designed to cover the loss of money while in transit to & from the bank and the insureds premises and within the insured premises and at the private residence of the Insured.
Wrongful Conversion
Compensation for financial loss where a vehicle which has been sold is subsequently reclaimed by a previous true owner.
Public Liability
Designed to indemnify the Insured against legal liability for damages and reasonable costs and expenses in respect of accidental Bodily Injury to any person or accidental loss of or damage to Property.
Employers Liability
Designed to indemnify the Insured against legal liability for damages and reasonable costs and expenses in respect of accidental Bodily Injury caused during the Period of Insurance to any Employee and arising out of and in the course of Employment by the Insured.
Defective Workmanship / Sales Indemnity
Designed to indemnify the Insured against legal liability for damages and reasonable costs and expenses in respect of Accidents happening and arising out of faulty repair, servicing or maintenance of any customers vehicle or the sale of any vehicle.
WestPennine Insurance Services Group is the trading name of WestPennine Insurance Consultants Limited. Registered Office 84 Church Street, Littleborough. OL15 8AU.
Registered in England number 939318
Telephone 01706 378990 Fax 01706 371417
Road Risks Only