Products
Motor Fleet Insurance
We provide specialist motor fleet insurance capacity to our approved partner brokers. Our products are designed for commercial fleet operators and are placed through direct broker relationships.
For brokers: The products described on this page are available exclusively through our approved broker panel. If you are a current trading partner, please contact your usual underwriting contact. If you are not yet on our panel, please use our contact form to register your interest.
Commercial Motor Fleet
Our primary product is a commercial motor fleet policy designed for operators with an established fleet risk profile. Cover is available on a comprehensive, third party fire and theft, or third party only basis, subject to underwriting.
We consider fleet risks across a range of vehicle types and sectors. Our underwriting is conducted on an individual risk basis, allowing us to provide terms that reflect the specific characteristics of each fleet rather than applying a blanket market approach.
Policies are issued on an annual basis. Mid-term adjustments are available through your broker.
Cover Levels
| Cover Type | Description | Availability |
|---|---|---|
| Comprehensive | Full cover including accidental damage to your own vehicles | Subject to underwriting |
| TP Fire & Theft | Third party liability plus fire damage and theft of insured vehicles | Available |
| Third Party Only | Minimum legal requirement — liability to third parties | Available |
Key Product Features
- — UK and European territorial cover available
- — Named driver or any authorised driver basis
- — Mixed fleets considered, including specialist vehicles
- — Annual policy with mid-term adjustment facility
- — Windscreen cover (comprehensive policies)
- — Third party property damage and personal injury liability
- — Employer's liability cross-covered (where applicable)
Please note
All cover features are subject to the terms, conditions and exclusions of the policy wording. Cover is not confirmed until formal terms have been agreed in writing by an authorised underwriter.
Optional Coverage & Extensions
The following optional extensions may be available in addition to the core fleet policy, subject to individual underwriting assessment.
Legal Expenses
Motor legal expenses cover to assist with the recovery of uninsured losses and to pursue or defend claims arising from road traffic incidents.
Breakdown Assistance
Roadside assistance and recovery for insured fleet vehicles, available on a UK or European basis to minimise operational disruption.
Replacement Vehicle
A replacement vehicle facility to maintain fleet operations whilst an insured vehicle is undergoing repair following a covered loss.
Goods in Transit
Available to selected operators whose vehicles are used in the carriage of goods, subject to the nature of goods carried and underwriting assessment.
Risks We Consider
We underwrite within a defined risk appetite. The following provides a general guide to the categories of fleet risk we consider. This is not an exhaustive list, and all terms are subject to individual assessment.
| Risk Category | Status |
|---|---|
| Commercial goods vehicles | Considered |
| Mixed private and commercial fleets | Considered |
| Fleet operators with established claims history | Considered |
| Specialist and non-standard vehicles | Referral basis |
| Haulage and long-distance operators | Referral basis |
| New ventures / no prior fleet history | Referral basis |
Broker Information
Accessing Our Products
Our products are available exclusively to brokers on our approved panel. If you are a current trading partner, please speak with your allocated underwriting contact directly.
If you are a broker who would like to discuss becoming a panel member, please contact us via the form on our Contact page. We will review your request and respond in due course.
Need to Report a Claim?
Policyholders should refer to the Claims section for guidance on how to report an incident and who to contact.