Vehicle Sales Insurance

Usually not, because the vehicles are not yours. You are likely to need road risk for movements and liability cover for the advice and arrangement side, which is a much smaller policy.

Generally yes, with both categories recorded. Motorcycles carry a different theft profile, so leaving them off a description written around cars is a gap rather than a detail.

Sometimes, and sometimes it needs a plant policy instead. It depends on what the machines are and whether they are road registered, so describe them rather than calling them vehicles.

Under road risk where you drive it, or through a transporter arrangement where you do not. Either way it should be declared, because delivery is a real part of an online sales business.

If the stock sits there, yes. A rented unit full of vehicles is exactly what the stock and premises sections are for, even though nobody visits it.

It removes most of the consumer-facing liability but not the stock or road risk exposure. It is worth saying which you do, because it affects the products liability side.

Only where it is genuinely part of the business. Putting a personal car through a trade policy to save money is the misuse insurers are watching for, and it undermines the whole policy.

Once you handle vehicles belonging to somebody else, yes. A private or ordinary business policy is not written for vehicles in your custody, and the gap only becomes visible at claim time.

Road risk if the work happens at the customer or on the road. Combined if you have premises worth protecting, stock on site or tools you could not replace quickly.

They can, where they are declared and meet the age and licence terms. Insurers expect to be told about anyone who drives, including people helping out at weekends.

Trade policies generally set one, and it is often higher than on a private policy. Younger drivers can usually be added, but the terms and the excess will reflect it.

That depends on whether you have taken premises cover. Road risk is about driving; vehicles standing on site need the combined side of a policy to be properly protected.

Almost always. Insurers set out where keys must be kept and how, and a claim following keys left in or near a vehicle is the one most likely to be refused.

They are usually covered within the trade policy rather than separately, but confirm it. Their use is also governed by rules of its own that sit alongside the insurance.

Usually a day or less once the information is complete. Having the driver details, the turnover figure and the claims history ready before you start is what turns a week of messages into a single conversation with a broker.