Uninsured loss recovery covers extra costs following an accident that’s not your fault. The other party’s insurance should cover the main claim. But it might not cover things you have to pay yourself, like hiring a replacement car or taking public transport.
Motor prosecution defence covers the costs of hiring someone to defend you against a motoring-related prosecution. Depending on the policy, you might not be covered for prosecutions for drink or drug driving and parking offences.
Essential personnel protection pays out if a key member of the business dies or is permanently disabled.
Fines and damage cover is there for non-completion of contracts. Some extensions even cover public relations expenses in relation to claims.
Material damage cover protects any vehicles or equipment you own. For example, if you run a motor dealership it means your unsold vehicles are insured.
Business premises cover protects the building itself, as well as tools and machinery inside. If you have a break-in and thieves steal or damage valuable equipment, you should be covered.
Demonstration cover protects any cars that are used by customers for test driving. Depending on the policy, you might have the option of adding accompanied or unaccompanied demonstration cover.
Specialist vehicle cover lets you work on heavy goods vehicles or high-performance cars. Standard motor trade insurance policies usually cover standard vehicles or those under a certain weight or value.
European cover protects you for any vehicles that are driving in Europe.
Goods in transit covers any goods in your vehicles that you transport as part of your business.
Parts only cover is for who don’t actually drive their customers' cars. Here you get what you pay for - only the parts you use are covered.