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Non Standard Road Risks Motor Trade

The motor trade industry is full of unique and different businesses, and they need flexible and tailorable road risk insurance policies too.

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Why choose Howden for Non-Standard Road Risks motor trade insurance?

As a broker which specialises in both motor and business insurance, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationship we have with the specialists at DNA insurance, we make the process of sourcing various motor trade and non-standard road risk policies, on your behalf, simple and easy. What’s not to like?

The DNA Insurance team knows that each non-standard road risks policy needs to be as individual as its owner and their motor business, and that’s why they provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your insurance cover.

Ultimately, whether you need to make a claim, purchase a new motor policy, or renew an existing one, just know that the DNA Insurance and Howden teams are here to help.

Benefits of working with Howden:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

Non-Standard Road Risks motor trade insurance with Howden

Non-standard road risks motor trade insurance is a specialised insurance solution designed for individuals or businesses in the motor trade industry who face unique circumstances or higher risks that don’t fit the standard criteria for traditional motor trade insurance. It’s essential for those who engage in unconventional or higher-risk motor trade activities.

This type of policy applies to businesses which may be operating untypically or are deemed to have elevated risk factors. These might include:

  • Previous claims history: Individuals or businesses with a history of claims that may not meet the criteria for standard insurance.
  • Modified vehicles: Motor traders dealing with modified or customized vehicles, which can present unique insurance challenges.
  • Unusual vehicle types: Businesses that work with unconventional vehicle types.
  • Convictions or penalties: Motor traders with previous driving convictions or penalties.
  • Complex business models: Operations that fall outside the typical motor trade business model.

Selecting the right motor trade and non-standard road risk policy will involve assessing the unique risks your business faces, being open to customisable policies, and working with top-quality specialists that have years of experience sourcing in insurance for clients in this industry.

Fortunately, the DNA Insurance team have those specialists in their team, and they’d be more than happy to discuss with you what you’re looking for from a non-standard road risk policy.

What is non-standard road risk motor trade insurance?

Road risk insurance is a specialised type of insurance coverage which is specifically designed to protect motor trade businesses and their employees who drive vehicles that aren’t their own, and tend to be involved in the buying, selling, and servicing of vehicles.

Here’s some examples of motor traders who might drive vehicles as part of their work and could need this type of insurance:

  • Valeters
  • Garage mechanics
  • Car dealers
  • Body shop workers
  • Part-time traders
  • Breakdown and recovery operators
  • Mobile mechanics

If you drive a vehicle that isn’t your own to carry out your business, whether you’re moving a vehicle between homes or from an auction house to a garage, you’re always required to have road risks cover to protect you. In fact, it’s a legal requirement that you have this insurance, otherwise you’ll not be insured to drive vehicles associated with your business. This type of insurance is also best suited to motor traders who work from home, or in locations which aren’t normally classified as business premises.

There’s three different levels of road risk cover you can choose from:

Third-party only

This only covers you if any third-party property or individual, not including yourself and the vehicle you’re driving, is damaged or injured in an accident.

Third-party, theft and fire

This is the same as third-party only cover, except it also protects the vehicle you’re driving in case it’s stolen or is damaged by a fire


Finally, you have the highest level of cover, which includes all the benefits mentioned in the previous levels of cover, as well as cover for accidents that lead to personal injury or damage to any involved vehicle.


Comprehensive road risk insurance will offer you the most protection, but it’s also limited. You’re only covered for the trade value of the vehicle insured and insurers will often have policy exclusions that you need to be aware of, such as no inclusion of public or employers’ liability cover, which would need to be bought separately from road risk insurance.

We understand though that navigating countless motor trade related policies can be tricky, and knowing exactly what’s right for your business isn’t always straightforward. But that’s where we can help. The team here at Howden are experienced professionals who understand the market and can help you find a road risk policy that not only makes the most sense for your specific business, but also provide adequate cover for you personally.


Get in touch

Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

Stay covered whilst driving motors that aren’t your own

Wherever your business lies within the motor trade industry, you need reliable road risk insurance cover behind you to ensure you’re able to operate your business smoothly.

Tailored protection for professional motor traders

Make the most of our range of motor trade insurances, capable of covering for road risks, liability, and accidents on company premises.

Motor trade insurance solutions for SMEs

Need help finding an insurance policy to cover your motor trade business? You’ve come to the right place.