Third Party Only (TPO) This is the minimum legal requirement for a trader to drive vehicles on the road. It provides cover for any vehicles owned by the motor trader, or in their custody or control (e.g. a customer's vehicle), whilst on the road or whilst temporarily garaged in the course of a journey. However, TPO insurance will only cover loss, damage or injury inflicted on a third party. Your own losses, damage or injury will not be covered.

Third Party Fire & Theft (TPFT) This provides the same level of cover as TPO, but also offers protection in the event of theft or fire to a vehicle in the motor trader's custody, as well as third party damage or injury claims.

Comprehensive This provides the same protection as a TPFT policy, but also includes any accidental damage to the vehicles that the trader owns or has in their custody or control.