Different Types of Vehicles
Insurers draw on their statistics and on their experience to issue special policies for various types of vehicle on the roads. There are, for example, private cars, and carcycles including car scooters and mopeds. Commercial vehicle insurance covers all vehicles used for transporting goods and passengers for commercial purposes, including hire cars and taxis. The insurance of agricultural and forestry vehicles and special types of vehicle covers a whole range of machines. Then there are vehicles constructed for specific purposes such as mobile cranes, earthmoving equipment and ambulances.

Car Traders
Car traders pose a different type of risk and therefore need specialised insurance policies. There are three basic types of car trader policy. "Road risks" covers the trader for any vehicles which they own or which are in their custody or control while they are away from the premises of the insured business. "Internal risks" covers them only for liabilities incurred on their own premises. "Combined road and garage" includes both these as well as other risks. Insurers will only issue car-trader policies to traders with their own premises. Traders working from home will have difficulty getting cover.