When running a small motor trade business one of the most important things you concentrate on is keeping your road risk cover costs as low as possible. This can include your staff wages, utilities bills and your insurance premiums.As a business in the motor trade you will be offered a selection of insurance options when it comes to your road risks cover. It is so important to ensure you have this cover in place if you intend driving customer’s vehicles. You won’t be able to test drive these vehicles to look for faults without the right cover in place, at the same time it’s important to be aware that your private vehicle insurance will not cover you in this instance. So you’ve taken out a Motor Trade insurance policy and you are ready to open the doors to your motor workshop. Within a few weeks your business gets busy and you realise that you cannot manage all the test driving yourself, you need some of your staff members to assist you.