What is Motor Dealers Insurance?
Adroit Insurance & Risk are one of Australia’s leading advisors to the Motor Dealer industry, offering tailored insurance solutions and holistic risk management advice. Given our experience and expertise in the dealer insurance market, we have a strong understanding of the unique risks and challenges the industry is exposed to.
Need Motor Dealers insurance? Get in touch with our expert Risk Advisers at Adroit to find the right cover for your business today.
Types of Insurance for Motor Dealers
Choosing the right insurance is essential to protecting Adroit, we offer tailored insurance solutions designed to address the unique risks faced by motor dealers.
Motor Trade Road Risks Insurance: Covers vehicles used in connection with your business, including customer vehicles, demonstration vehicles, and stock on the road. This can include protection for accidental damage, theft, and third-party property damage.
Property and Stock Insurance: Protects your dealership premises, office contents, equipment, and vehicle stock against risks such as fire, storm, theft, and malicious damage.
Public and Products Liability Insurance: Covers your business against claims arising from injury to third parties or damage to property in connection with your dealership operations.
Business Interruption Insurance: Helps protect your business from financial loss if an insured event disrupts operations and impacts your revenue.
Each policy can be tailored to suit the size and scope of your dealership. Not sure which cover is right for your business? Our experienced advisers can help you assess your risks and find the right insurance solution.
Full Comprehensive Insurance
Comprehensive motor trade insurance is one of the most robust forms of cover for motor dealers.
It can protect against a wide range of risks, including:
– Damage to dealership vehicles from accidents, fire, and theft
– Third-party property damage arising from business vehicle use
– Cover for demonstration vehicles, customer vehicles, and stock vehicles used in connection with your business
– Protection for vehicle accessories, fitted equipment, and signage
This type of insurance is ideal for motor dealers who need broad protection for their vehicles, stock, and daily operations, while helping reduce exposure to unexpected costs.
Need insurance cover for your motor dealership? Get in touch with Adroit Insurance & Risk today.
Third Party Property Damage Insurance
Third-party property damage insurance focuses on covering the costs of damages your business vehicle causes to other people’s property. While it doesn’t cover your vehicle, it protects you from significant third-party claims, which can be costly.
This insurance also protects against costs incurred
from accidents involving uninsured motorists, as long as the driver is not at fault. Some policies may also cover emergency services and legal costs, providing added peace of mind.
Ensure your business is protected with the right business motor vehicle insurance. Talk to our trusted risk advisers about the best motor insurance for business use.
Third Party Fire & Theft Insurance
Third-party fire and theft insurance provides cover for specific risks such as fire, theft, and damage caused to third-party property. It can be a suitable option for motor dealers who want broader protection than basic third-party cover, without taking out full comprehensive insurance.
It can cover:
– Loss or damage to business vehicles caused by fire or theft
– Damage to third-party property arising from the use of insured vehicles
– Certain uninsured motorist incidents where the other driver is at fault, depending on the policy
At Adroit Insurance & Risk, we help motor dealers find insurance solutions that align with their operations and risk profile. Speak with our team about the right cover for your dealership.
Contact Our Risk Advisers for Motor Dealer Insurance
At Adroit Insurance & Risk, we understand the unique challenges your business faces. Our expert Risk Advisers are here to help you choose the right insurance cover, tailored to your needs. In need of Motor Dealer insurance? Let our team of Risk Advisers guide you in choosing the right insurance for your business. Contact us today.
Frequently Asked Questions
Making an insurance claim can be an extremely stressful and daunting task when you’re still recovering from an unexpected loss and trying to work out how to get things back together again.
There’s not much time to lose. We have to act quickly to get your business back up and running again, which means we’ll need to have all the details together to lodge your claim with your insurer as soon as possible.
Hopefully the day will never come, but accidental loss or damage more often than not strikes when you least expect it. It could be burglars breaking into your factory, stealing not only some expensive equipment but also leaving a trail of damage that leaves you unable to resume operations. Or it could be an extreme weather event that has left your goods so heavily soaked that they can’t be salvaged.
So what can you do to have as smooth a claim process as possible? We know there is no shortage of stories in the mainstream media about how a business owner or family has had their claim rejected. Every time you see such a story of misery and heartbreak on TV, you can reflect on just how good it is to have us. We’re your insurance broker, and we have your back.
First things first. As soon as you need to make a claim, get in touch with us. Tell us what has happened, the nature of the loss and have your insurance documents ready. If you’re able to enter the premises, have your mobile phone or a camera with you. Take as many pictures of the damage as you can. The pictures will help us to support your claim application with the insurer.
If your loss is caused by a crime, say a theft or burglary, contact the police as soon as you can. Keep the police record and send us a copy. The police report will become part of the document lodgement process.
Do remember to keep us notified of any other information you may have about the loss. If you’ve had to call in emergency tradies to replace the broken windows or secure the place with safety barriers, keep the invoices. You’ll need to submit them to the insurer, too.
And please remember at all times that we work for you and advocate on your behalf so that you can focus on a recovery plan to get your business up and running again.