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

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.

DriverCheck: Driver license 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.