Home / Motor Trade Road Risk Insurance
LONDON ROOTS. PERSONAL SERVICE.
Motor Trade Road Risk
Insurance.
Vehicle movements considered properly.
Tell us which vehicles you drive in connection with your motor trade business. We’ll discuss road risk cover options, authorised drivers and the limits that matter.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
A policy for the trade.
Clear limits for the road.
Vehicle values, types and permitted use need to reflect your actual business. Check the details before relying on cover for a particular journey.
Buying & selling
Road testing
Collection & delivery
Declared drivers
Road risk cover is not a substitute for premises, tools or liability cover. Ask about those separately.
Tell us about your requirements. Available cover depends on the insurer and your circumstances.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your vehicle and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR POLICY DETAILS
The details.
The difference.
Explore the points to discuss when arranging motor trade road risk insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
Your business activities
Explain buying, selling, repairs and any other work. Insurers may ask for evidence of trading and relevant experience.
02
DETAIL
Vehicles and indemnity limits
Discuss the highest value you may drive, including customer vehicles. Check restrictions by vehicle type, performance, weight or seating.
03
DETAIL
Who is permitted to drive
Provide driver details and the use each person needs. Employee, spouse and proprietor arrangements can differ.
04
DETAIL
Keeping vehicle records current
Follow the insurer’s instructions for recording vehicles and reporting changes. A database entry does not override the policy’s acceptance rules.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Customers’ Vehicles
Check how vehicles belonging to customers are protected while in your care, on the premises and during agreed movements.
What we’ll help you check
- What is the maximum value of one vehicle?
- What is the total value at one location?
- Are collection and delivery movements included?
02 / 06
Demonstration & Road Testing
Explain who drives stock or customers’ vehicles and why. Demonstration drives and testing must fit the agreed drivers and permitted use.
What we’ll help you check
- Who may drive?
- Are accompanied demonstrations required?
- What limits apply to vehicles and journeys?
03 / 06
Public Liability
Discuss separate cover for liability arising from your business activities. It does not replace the motor insurance needed for use of the vehicle.
What we’ll help you check
- Which business activities are insured?
- How does it fit with the motor policy?
- What limits does my contract require?
04 / 06
Employers’ Liability
Discuss the people working for the business, their roles and employment arrangements so the applicable liability requirements can be checked.
What we’ll help you check
- Who works for the business?
- Are temporary staff or subcontractors involved?
- Which activities must be declared?
05 / 06
Tools & Equipment
Discuss tools and equipment kept at the workshop or taken to jobs. Check the values, locations and security conditions rather than assume road risk cover protects them.
What we’ll help you check
- What is the limit per item and per vehicle?
- Is overnight storage permitted?
- What security and evidence of ownership are required?
06 / 06
Premises & Contents
Discuss the buildings, stock, plant and equipment at the locations you occupy. Property sums insured and security conditions need to reflect the business.
What we’ll help you check
- Which locations and property are included?
- What values and limits are needed?
- Which security conditions apply?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us what you need
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before cover starts
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Trade evidence · Activities · Own and customer vehicle limits · Vehicle types · All drivers · Personal vehicles · Claims · No claims bonus and policy type · Start date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about motor trade road risk insurance, drivers and arranging cover.
Understanding the cover
What does road risk insurance cover?
It covers agreed motor risks for vehicles and drivers within the policy terms and permitted motor trade use. The chosen cover level and indemnity limits determine the protection.
Can I use it for my own car?
Only if that vehicle and use are accepted. Declare personally owned vehicles and any private or commuting use before relying on the policy.
Are demonstration drives included?
Check who may drive, whether they must be accompanied and the vehicle limits. A prospective buyer is not automatically covered.
Does a trade plate provide insurance?
No. Trade plates and insurance serve different purposes. You still need appropriate insurance and must comply with the applicable trade-plate rules.
Vehicles, drivers and use
Can I carry out unrelated business work?
Do not assume so. Using a vehicle for another occupation, delivery or other work must be declared and expressly accepted.
Are vehicles automatically covered once added to the database?
No. They must meet the policy terms and acceptance rules. Follow the insurer’s recording instructions and ask about anything outside the agreed scope.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ