Combined motor trade insurance and road risk insurance are both types of insurance policies that are designed for businesses in the motor trade industry in the UK, but they provide different types of cover.
Road risk insurance is a type of motor trade insurance that provides cover for businesses that have vehicles in their possession or control. It is designed to cover the risks associated with driving or moving vehicles, and it is often purchased by businesses that do not have a fixed business premises, such as mobile mechanics or traders who buy and sell vehicles from home.
Combined motor trade insurance, on the other hand, is a more comprehensive type of insurance policy that combines a range of different covers into one policy. It typically includes cover for road risk, liability, premises, and stock, as well as other optional coverages such as business interruption, engineering, and legal expenses.