Motor traders insurance: Internal

• Loss of or damage to any insured motor stated on your policy schedule and its accessories or spare parts… If it occurs on premises owned or occupied by you.
• Liability to others: Accidental damage, death, or injury to third parties (caused by a motor stated on your policy schedule), occurring on premises owned or occupied by you.

Liability, loss or damage to, or due to

• Depreciation, loss of use, wear and tear, mechanical or electrical breakdown of the motor or accessories, failures, or breakages.
• To tyres, by application of brakes or by road punctures, cuts or bursts.
• Property belonging to you, a member of your household, your employees or others; held in trust by you; in your custody or control; or being conveyed, loaded or unloaded from the motor.
• Death, injury or illness of employees.
• Liability covered by any legislation.
• Injury to any person being carried in or upon, or getting onto or off of, any motorcycle, motor scooter, side car or trailer.
• Injury to members of your household.
• Directly or indirectly caused by fire, explosions or lightning (unless the fire or explosion results directly from the possession of the motor).
• Theft or housebreaking or attempted theft or housebreaking.
• Any motor or property while it’s being worked on and directly resulting from such work.
• Defective workmanship or its consequences.
• Demolition, structural alteration or installation of equipment at your premises.
• Weather conditions.
• The use of power-driven cranes, elevators, lifts or hoists.
• Intentional damage caused by you, your principal, partner, director, employee or a member of your household or which occurs with your knowledge or consent.

• Car hire.
• Car hoists.
• Credit shortfall.
• Loss of keys, sound equipment, parts and accessories.
• Loss of use of customers' motors.
• Riots and strikes.
• Work away from premises.