email@motortrade-referrals.co.uk Call Us: 0800 123 4567

Road Risk & Combined

Premises, Tools, and Vehicle Cover in One.

Combined Quote

Protecting your livelihood, tools, and premises.

Which Policy Do You Need?

Understanding the difference between Road Risk and Combined Policies.

Road Risk Only

Best for: Mobile mechanics, part-time traders working from home, or valeters.


This covers you to drive vehicles you don't own for business purposes. It also covers your own stock vehicles while they are on the road.


  • Cheapest Option
  • No Premises Cover
  • Tools not covered at base

Combined Policy

Best for: Garages, MOT stations, Car Sales Forecourts.


This is the "All-in-One" package. It includes everything in Road Risk, PLUS protection for your building, tools, cash on site, and office equipment.


  • Covers Buildings & Tools
  • Liability on Premises
  • Theft from Garage covered