Own Goods & Trades

Car, LCV, HGV’s, Special Types & Agricultural Vehicles, 5+ Vehicles 

Our dedicated team of experts can offer specific policy benefits tailored to fit your clients needs

Flexible approach to driving warranties
Cover for up to £20m for 3rd party property damage on cars and £5m on other vehicles
New for old cover for cars and vans up to 7.5 tonnes
Key loss and lock replacement as standard
Personal accident cover for drivers, with £10,000 indemnity per incident
Driver packs and bump cards to provide assistance in an accident and proactive TP claims management
Personal belongings cover up to £250 per incident
Medical expenses up to £500 per person
Access to a team of underwriters

Target trades & most competitive:

  • Rural/semi-rural based risks
  • Low accident frequency and severity
  • Minimal exposure to young drivers
  • Minimal exposure to agency drivers
  • Low staff turnover
  • Vehicle and/or driver risk management 


  • Charities
  • Construction and engineering
  • Educational
  • Healthcare and medical
  • Trades and services
  • Plant hire
  • Professionals
  • Property
  • Retail and manufacturing

Got a Own Goods and Trades risk that needs underwriting?