Motor Trade

What we cover

Cover is provided on an All Risks basis and includes the following:

• Damage to your own customers’ vehicle in or on the premises, including the private premises of the Insured, his directors, partners or employees.

• Damage to Forecourt Facilities.

• Cover on Stock in Transit (excluding vehicles).

• Theft cover following forcible and violent entry or exit (but this restriction does not apply to theft of an insured vehicle).

• Replacement of locks following Theft of keys from your own premises, or home, up to £500.

• Loss of Gross Profit as a result of a reduced level of trading.

• Reasonable expenses necessarily incurred to maintain trading and reduce the loss of Gross Profit such as the costs of renting and setting up temporary premises.

• Book debts and additional expenses incurred in tracing them following destruction or damage to business records.

• Money

• Employers Liability

• Public Liability

• Road Risks

This cover is designed for:

Preferred Risks

We prefer to cover:

• Isle of Man sole traders or registered businesses on a full-time basis

• Bespoke separate motor trade premises, separate from residential premises

• Motor Sales

• Motor Servicing & Repair up to 7.5t

• Auto Electricians

• Car Bodyshop’s

• Motorcycle sales, servicing & repair

• Windscreen repairs

Risks we don't cover

We don't cover:

• Risks outside of the Isle of Man

• Part time traders

• Traders without bespoke premises

• Vehicle importers/exporters

• Mobile traders

• Coach builders over 7.5t

• Salvage/breakers yards

• Auctioneers

• Self-drive hire

• High value

• Prestige Car dealers

Brokers

Contact us for a quote or for more details. We are here to help.

Customers

You'll need a broker registered with Intact Insurance to buy this cover.

Contact your broker or find a broker.