Circle Insurance Services have arranged a specialist insurance policy catering specifically for motor traders who install LPG engine conversions.

You will no doubt be aware that many insurers are not entirely up to speed with regards to the LPG Industry and therefore either refuse to quote or increase the premium due to lack of product knowledge. Circle are now in the position, having had in-depth discussions with our insurers, to offer this facility to all installers, with the promise of enhanced cover and extremely competitive pricing.

Key Features Include

• Single policy for ease of reference including Material Damage, Motor Vehicle Road Risks and Public and Products Liability with a range of additional extensions applicable to the Motor Trade Industry at no extra cost.
• Additional covers such as Employers Liability, Business Interruption and Fidelity Guarantee can be included within the single policy
• A comprehensive range of engineering services including periodic examinations of plant and a wide range of insurance covers&nbspare available.
• Unique options such as partial comprehensive and a 'no sum insured' feature.

Additional covers automatically included for members of the Liquid Petroleum Gas Industry (LPGA) are :

• New for old cover extended to 1 year old under Material Damage and Motor Vehicle Road Risk
• Options to include rectification cover under Material Damage and Motor Vehicle and Public and Products Liability
• New vehicles in transit covered under the supplier's extension to business interruption.
• Retrospective cover under Employers' Liability.
• No inner limit to liability for customers' consequential loss or loss of use claims under Public and Products Liability or Motor Vehicle Road Risks
• No claims discount unaffected by claims caused by faulty or defective materials or workmanship under motor vehicle road risks
• Premiums can be paid in instalments at a competitive rate, subject to status.

ADDITIONAL BENEFITS

• Free risk management literature on a variety of subjects relevant to your trade. To help you identify areas of risk within your business and apply practical solutions.
• Risk management services
• Uninsured Loss Recovery automatically included free of charge. To help you with any legal costs following an uninsured loss involving one of your vehicles.

POLICY COVER
The principal sections of the policy (Material Damage, Motor Vehicle Road Risks, Public and Products Liability) have been designed to form an integrated cover. Optional sections are available to tailor the cover to suit your precise needs.

Material damage (compulsory section)

• Loss or damage on all risks basis including theft.Standard policy cover includes :
• Standard excess £250
• Option to have cover on a "no sums insured" basis
• Reinstatement day one cover 130% for property (other than stock and vehicles)¨
• New for old cover with vehicles and customer's private cars or motorcycles less than 6 months old.
• Assault and victim care cover
• Financial loss - new vehicles

• Uninsured loss recovery up to £75,000
• Standard excess £250
• Financial loss - new vehicles
• New for old cover for vehicles and customer's private cars or motorcycles less than 6 months old.
• Option to extend use for social domestic and pleasure use for persons of your choice.
• Cover is automatically extended for social domestic and pleasure use for permitted drivers in EC countries.
• MOT - Loss of licence cover
• Up to £1,000,000 cover to replace loss of profit from MOT testing and associated repair and servicing work following suspension or withdrawal of licence
• Free appeal and consultancy service for both authorised examiners and nominated testers
• Free telephone help line for advice on any MOT disciplinary matter or query involving your MOT testing station.

• Cover includes damage to property caused by fragmentation
  

• Motor contingency
• Products financial loss up to £250,000
• Damage to leased / rented premises with no excess
• Heath & Safety at work act legal expenses costs
• Court attendance compensation
• Consumer protection act legal defence costs up to £25,000
• (Products Liability Only)
• Data protection act
• Defective premises act 1972

Employers Liability
£10,000,000 standard indemnity limits

• Standard policy cover includes:
• Heath & Safety at work act legal defence costs
• Unsatisfied court judgements
• Court attendance compensation

Business interruption
Cover is on a 'no sum insured' basis
Standard policy cover includes:

• Damage to public utilities and supply lines
• Denial of access
• Damage to suppliers' and storage premisesForeign travel
• Book debts - up to £500,000
• Indemnity to road risks section