We reduce your flood risk. Then cover the rest.
Heavily paved motor trade sites concentrate surface water and flood repeatedly, driving up premiums and shrinking cover. We install nature-based drainage interventions that reduce expected flood losses by 30–55%, then structure your policy around the verified result.
Nature goes in, risk comes down.
We design and model nature-based drainage interventions — bioswales, permeable paving, rain gardens — verified to a standard underwriters accept.
Cover priced for your actual risk.
Flood cover structured around your current risk profile, with a pathway for terms to improve as interventions are confirmed.
Performance monitored. Terms respond.
IoT sensors confirm intervention performance to the standard carriers require. As your site performs, your cover reflects it.
Your forecourt problem, could be your solution.
Most motor trade sites are mostly tarmac. Forecourts, access roads, customer parking, vehicle storage. Paving concentrates surface water. It's one of the main reasons motor trade sites flood repeatedly, and why insurers increasingly price that frequency into premiums or step away entirely.
But that paving is also opportunity. A rain garden at the forecourt perimeter. Permeable surfaces in the customer parking. A detention feature at the low point of the site. Individually, each seems small. Combined and verified, they can reduce expected annual flood losses by 30–55%.
The problem has always been verification. We model interventions against your actual site risk, then confirm performance through IoT monitoring to a standard underwriters accept. When the data comes in, your cover responds.
A package, not just a policy.
The motor trade insurance market is responding to flood risk the same way it always has: higher premiums, shrinking capacity, excesses that make cover theoretical. Plain Site knows that risk is something you can actively reduce, and that cover should reflect what you've done.
If flood exposure is already showing up in your renewal conversations, let's talk about what the package looks like for your network.