Vehicle Delivery and Collection Insurance

Comprehensive road risk responds to damage to the vehicle you are driving. Whether you are held responsible for damage that was already there depends entirely on the condition record you took.

Frequently, and it is worth agreeing the route and the expected mileage in advance. It is a commercial issue rather than an insurance one, but it causes real disputes.

Only where the policy allows it and they are declared. Handing a job to somebody outside the policy leaves the vehicle uninsured, which is a difficult conversation with the customer.

It depends on the wording. Long jobs often need a stop, and where the vehicle stands overnight is exactly the kind of detail a theft claim turns on, so ask before taking the work.

Almost always. A prestige collection can sit above the standard figure, so check the limit before accepting a job rather than after picking the keys up.

Only for untaxed vehicles. A good deal of delivery work involves vehicles that are already taxed and on the road, in which case the trade policy alone is enough and the plates would add nothing but paperwork and another thing to keep secure.

Those are commercial arrangements with the customer rather than insurance matters, but agree them in writing. Disputes over expenses sour jobs as reliably as disputes over scratches.

Because it insures your vehicle rather than vehicles in your charge. The moment the business turns on handling somebody else’s car, a trade policy is the arrangement that responds.

The premises, the contents, stock held for sale and the liabilities that come with having people on site. It is one policy rather than several, with one renewal date.

Normally, as soon as you employ anybody, with some exceptions for certain family-only businesses. It usually sits inside a combined policy rather than being bought separately.

It is one of the main rating factors, because it describes the scale of the business better than the number of vehicles does. Give a realistic figure; it is reviewed at renewal.

Some policies limit how many may be kept outside, or require them behind a barrier. It is worth checking, because it is a condition rather than a preference.

In a locked cabinet away from the vehicles, and out of sight from any window. Key security is where trade theft claims are usually decided.

Policies generally set a maximum value for any single vehicle driven. A high-value car arriving for work can sit above it, so check the figure before the keys change hands.

Usually within a day, and often the same afternoon. Delays almost always come from incomplete driver details rather than from the underwriting itself, so gather licence numbers and dates of birth before you start.