The types of motor traders or businesses that may benefit from this insurance range from the “one-man bands” to much larger organisations employing hundreds of people. The business operations can include, – new and used vehicle sales, service engineers, repairers – both mechanical and bodywork, windscreen replacement firms, tow bar fitters, security and car audio installers, car jockeys, electrical engineers, Body and coach builders, vehicle finance agents, vehicle importers, vehicle inspector and organisations involved in the service and repair of their own vehicles, motor vehicle manufacturers.

The sheer diversity of motor trade business means that most motor traders need more cover than just a road risk policy. Insurers provide policies that combine several different covers to mitigate business’ individual risks.