Connect coverage to the actual operation
Dealership vehicle use extends beyond customer test drives. Employees may fuel, photograph, transport, deliver, demonstrate, or take vehicles home. Written authorization, license verification, plate controls, route rules, and incident reporting should match actual operations.
Risks to review
- Unverified or unauthorized test-drive customers
- Employee personal use or take-home vehicles
- Missing dealer plates, keys, or movement records
- Accidents involving excluded drivers or undisclosed uses
Information to prepare
- Dealer-plate count, storage, assignment, and audit procedures
- Customer license, identity, route, and accompaniment rules
- Employee driver list, MVR review, and take-home policy
- Demonstrator, delivery, transport, fueling, and auction practices
Frequently asked questions
Should every employee who moves vehicles be disclosed?
Driver reporting rules vary, but regular and occasional vehicle movement should be discussed so the submission accurately reflects the exposure.
Does copying a customer's license eliminate test-drive risk?
No. License verification is one control. Identity, authorization, route, supervision, key management, and incident procedures also matter.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.