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as the colder conditions and wintry weather will hit hard on many motorists' engines over the coming months.


As the hours of sunlight get shorter and many people start planning longer journeys to visit family and friends, or more frequent drives to get ahead on their Christmas shopping, the number of breakdowns will continue to rise in the run-up to Christmas.


For Breakdown Recovery operators, it's an essential time of year to make sure that your own vehicles are protected by suitable motor trade insurance, with a road risks insurance policy that extends to customers' cars during recovery too.


Breakdown Recovery operator insurance is available as part of motor trade road risks insurance policies, as well as in motor trade combined insurance and our motor trade hybrid package.


The policies are tailored to account for the challenging locations in which vehicles may need to be recovered - and the risk to members of the public who are passing by on the road or an adjacent pavement at the time.


Policies also include Vehicle in Transit cover, to protect against the costs associated with any further incidents that occur while travelling to and from the location of the breakdown.


Unlike some motor trade insurance policies, payouts for customer vehicles are made at retail market rate - ensuring that a like-for-like replacement can be purchased if necessary.


With generous terms and indemnity cover limits up to £100,000, Breakdown Recovery operator insurance is an essential for anyone working in the segment.


And as we can combine multiple policy types together into a single bespoke motor trade combined insurance policy, you can still benefit from any other types of cover that are specific to the work you do, while filling in any remaining gaps in your own Breakdown Recovery cover.