Autoteca

Insurance on business premises

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My Covea insurance policy contains this clause:

We will not pay for:
1. any vehicle:
(i) in or on the Business Premises;
or

(ii) on a road at or within
400 metres of the
Business Premises, unless in the course of a journey.

Mine have been locked inside my unit up until now, but I need to move them outside in public view to release space. Is this clause normal? Surely all those stocks of cars inside and outside car dealers are insured?! It makes the policy pretty useless - only covers test drives, collecting and delivering the vehicle, and taking to MoT stations etc. Given then spend 99% of their time on the business premises, the policy seems virtually worthless. 

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Sounds like you have just have road risks policy.

Contact your insurance broker.

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sounds like you may need cover adding for vehicles at business premises

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Thank you to all - you are right, I am embarrassed, and definitely sorting it sharpish! 

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