Motor Traders External Risks covers specified classes of vehicles while they are being driven away from the insured premises for motor trade purposes—for example road testing after repair, collection or delivery. Drivers, use, radius and vehicle types must fit the schedule. It is different from internal risks, which applies mainly at the premises.
After replacing suspension components, a licensed technician takes a customer’s SUV on an authorised 8 km road test and collides with another vehicle.
How cover may respond: External risks may cover damage to the SUV and the third party, subject to driver, road-test, excess and liability terms.
Important: If defective fitting caused the collision, the insurer will also examine the workmanship wording and exclusions.
Tell us what vehicles you handle, where they are kept and how they are used. A specialist can compare suitable terms and explain the important conditions before you bind cover.
Start my quotationThis is a general explanation, not advice or a policy contract. Cover is subject to the insurer’s schedule, wording, limits, excesses and conditions.