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Motor trade insurance is available to businesses throughout the automotive trade - from dealerships that sell new vehicles, to the mechanics and garages that keep them on the roads.

But what exactly do motor trade insurance policies protect you against? It depends on the type of policy, and on the type of activity you carry out using the vehicles in question.

Motor trade road risks insurance is the business equivalent of ordinary car insurance - protecting you against any losses incurred due to an accident or collision on the road.

Importantly, private individual car insurance policies usually will not protect you against business-related losses, so a proper motor trade road risks insurance policy is a must.

Like normal car insurance, you can choose third-party only, third-party fire and theft, or comprehensive cover, as well as demonstration cover and policies that protect your no-claims discount.

Public liability insurance protects you against injuries that occur as a result of your business - for example, an injury to a member of the public on your premises, or to an employee in the course of their work.

Sales and service indemnity completes the trio of motor trade liability insurance types, and instead of protecting against losses due to injury to a person, it covers the costs associated with damage to the vehicle itself.

Along with these there are other specific risks you might want to insure against, such as the loss of tools in transit, damage to vehicles in transit, cover for specialist machinery and plant, and insurance of vehicles at trade premises.

You can pick and choose individual policy types under the general banner of 'combined' motor trade insurance, allowing you to craft the exact cover you need, including essential items like employers liability insurance, and any optional extras you think are relevant to your business.