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Motor Fleet

Our risk appetite

We’re keen to write more business which:

  • Demonstrate a proactive approach to risk management and risk control
  • Packaged with other commercial insurance products
  • Motor fleet risks consisting of more than 4 vehicles with a broad risk appetite

We're less keen to write: 

  • Passenger transport – bus and coach
  • Self-Drive Hire
  • Hazardous waste transportation fleets
  • High performance vehicle fleets

What we offer

Our Fleet Product offers extensive cover as standard:

  • Legal Liability to third parties
  • Loss of or damage to your vehicle
  • Indemnity to principals
  • Unauthorised movement
  • Contingent Liability
  • Cross Liabilities
  • Trailers and disabled vehicles
  • Personal injury to your driver

Levels of Cover

  • Comprehensive - All policy sections of cover apply
  • Third party only - Legal Liability
  • Legal Liability
  • Third party fire and theft - Legal Liability and damage caused to an Insured vehicle by lightning explosion, fire self-ignition and theft

Features and Benefits

  • Medical expenses
  • Personal belongings
  • Geographical limits

Bespoke sector cover

Tailored to this sector we offer cover for:

  • New for old replacement on GCV’s up to 7.5ton gvw
  • Child seat cover
  • Personal accident cover
  • Vehicle breakdown and recovery service (pay on use)
  • Uninsured loss recovery

Cover for electric vehicles

The key points are:

  • Definition of accessories to include charging cables, adapters and connectors
  • Cover for loss of or damage to EV chargers (wall mounted or posts). This extends to EV chargers at employee’s home if supplied with an EV by the insured
  • Third Party section extended to clarify cover for liability arising from use of vehicle when being charged

Please get in touch with your local branch to discuss EV fleet business.

Motor Risk Management Intelligence guides

Helping clients reduce risk

Our in-house team of 50 UK based Business Resilience experts are experienced in all aspects of motor fleet risk management.

Fleet Business Resilience Managers: 24 in-house specialists delivering motor fleet surveys.

Online driver risks assessment and e-training.

Safe2Drive: Driver licence checking service for businesses.

Fleet Safety Academy: Safety policies, driver communication, driver recruitment, risk assessment and control.

Brightmile: A software-based fleet risk management solution that helps clients to reduce fleet claims and operational costs.

 Vue: Data analysis telematics solution.


We aim to be indisputably and consistently the best claims team in the UK. We offer:

  • Dedicated Claims Relationship Managers and tailored claims review meetings
  • An online claims tracking tool (eServe) and the transfer of cash payments to customer accounts in minutes
  • Monthly claims analytics reports

Giving you more

rradar: We’ve also teamed up with rradar, a law firm that offers free expert legal, regulatory and risk management advice. They help clients proactively understand and manage their risks before they become a problem and navigate them over any legal hurdles, should any arise.