We are confident that our expertise in your industry and the Motor Trade Insurance market means that we can match your needs with a quality insurer at a competitive price.
We only deal with insurers with a proven track knowledge in the motor trade insurance market. As a result of this, we monitor the competitive nature of premiums, the covers available and keep a very close eye on the claims service being offered by these insurers. This ensures that you will always be insured with the best market available.
We are confident that our expertise in your industry and the Motor Trade Insurance market means that we can match your needs with a quality insurer at a competitive price.
We only deal with insurers with a proven track knowledge in the motor trade insurance market. As a result of this, we monitor the competitive nature of premiums, the covers available and keep a very close eye on the claims service being offered by these insurers. This ensures that you will always be insured with the best market available.
R K Henshall and Co Ltd has over 45 years’ experience of helping the Motor trade industry and have experience in the following areas to name but a few:
We are confident that our expertise of your industry and the Motor Trade Insurance market means that we can match your needs with a quality insurer at a competitive price.
The cover provided by each motor trade insurance policy will differ depending on the particular risks you face and your individual business. A typical motor Insurance policy will include all or some of the following:
Road Risks – A road risks policy allows you to drive your own vehicles as well as driving other vehicles that you don’t own for the purpose of carrying out your motor trade activity,
Combined Motor Trade Insurance – This type of policy provides cover for road risks as well as your equipment and contents. It can also cover the building that you work from. It can often be cheaper to take out combined motor trade insurance rather than a number of separate policies.
Employers’ Liability – This cover is a legal requirement for any business that employs one or more members of staff, regardless of whether they’re driving vehicles or not and can be added to your standard motor trade insurance policy.
Public Liability – This is another type of cover that can be included as part of a single motor trade insurance policy. This will protect you and your employees against claims made by members of the public.
Product Liability – If you fit a part to a vehicle that turns out to be defective, this type of cover will protect you against any claims that arise.
Material Damage – This can provide cover for damage done to any stock vehicles or equipment you own, such as unsold vehicles you own as a car salesman.
Extra Drivers – If your employees drive customers’ cars then you’ll need to decide between an ‘any driver’ policy or adding a number of named employees as extra drivers.
Vehicle Types – You must make sure your insurance covers you and your staff to drive the necessary vehicle types, whether it’s cars, vans or HGVs.
Road Risks Cover
Third Party – Legally, this is the minimum level of cover you must have to drive on public roads. This will cover you whilst driving vehicles, whether they are your customers or your own, for damage, loss or injury that you cause to third parties. This is the least expensive level of cover but also the most basic.
Third Party Fire and Theft – This provides all of the cover of Third Party but also protects you against damage to vehicles covered by your policy occurring as a result of theft or fire.
Comprehensive – As well as the cover included above, a comprehensive road risks policy will also cover you for any accidental damage caused to any of your own vehicles but also any customers’ vehicles under your care, custody or control.
To discuss any aspect of your insurance requirements with us, please contact us and one of our dedicated Account Executives will be in touch to assist you further.
R.K. Henshall © 2024
R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, A.Brown FCCA. Written quotations, policy terms, conditions and exclusions are available on request.
Company Secretary: A.Brown FCCA. Registered No. 01285024
R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.
