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Plain Site
Plain Site
In Lloyd's Lab · FCA application in progress
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In Lloyd's Lab · FCA application in progress
Book a call
For motor trade operators

Flood-exposed sites. A package built around them.

Your forecourt, workshop, and showroom are all on the same site. When it floods, you lose stock, you lose operations, and you lose revenue simultaneously. Plain Site is designed for exactly that exposure: buildings, stock, and business interruption, with risk reduction built into the terms from day one.

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What's covered

Keep your business running, and your buildings dry.

  • 1. Stock
    Vehicles on the forecourt are the highest-value exposure on most motor trade sites, covered. We also work to reduce the flood events that threaten them.
  • 2. Assets
    Buildings, fit-out, workshop plant. Covered against flood with terms tied to your verified risk profile.
  • 3. Business interruption
    You can't sell or service vehicles while the site is shut. We cover the revenue gap while you recover and work to reduce the frequency you'll need to use it.
Who it's for

Is flood already in the renewal conversation?

We work with motor trade operators where flood exposure is already a factor: franchised dealerships, independent used car sites, vehicle auction centres, bodyshop and servicing networks. Sites that flood and where premiums are climbing without a clear path to improvement. Sites where the excess has grown past the point where cover feels real.

  1. Indicator 01

    Excesses that make cover theoretical.

    High deductibles, with no mechanism to bring them down.

  2. Indicator 02

    Premiums climbing with no explanation.

    Rising costs with no story for how to improve your position.

  3. Indicator 03

    A forecourt built to flood.

    Heavily paved sites where surface water has nowhere to go, and no plan to change that.

How it works

From first conversation to verified cover.

  1. 1. Virtual site assessment
    We assemble your flood risk profile: sites, paving, drainage, exposure value. A clear picture of where you are and what intervention would deliver.
  2. 2. Design and quote
    Interventions are modelled against your actual risk. A policy is structured around the result: current risk priced, pathway to improvement built in, not left to the renewal conversation.
  3. 3. Verify and adjust
    As interventions go in, performance is monitored and confirmed to the standard underwriters require. Cover terms respond. The excess you couldn't use starts to become one you can.

Built around your exposure. Not just your postcode.

Flood risk isn't uniform. Two sites in the same flood zone can perform very differently depending on how they're built and what's been done to reduce surface water. Plain Site prices for your site, not your category.

If flood is already in your renewal conversation, let's talk about what a package built around your actual exposure looks like.

Book a call 30-minute intro · No prep required