We provide commercial motor insurance for businesses operating vehicle fleets ranging from single company cars through to substantial fleets of trucks, vans, and specialist vehicles. Our team structures policies that combine compulsory CTP coverage with comprehensive damage insurance, third-party property damage protection exceeding compulsory minimums, and extensions for business equipment, tools of trade, and signage fitted to vehicles. We ensure policies accommodate diverse driver populations including employees, contractors, and permitted drivers, with appropriate age and experience restrictions balanced against operational requirements. Coverage responds to collision, theft, malicious damage, fire, and weather events, with options for market value or agreed value settlements that provide certainty around replacement costs.

As an independent broker, we access motor markets that understand commercial vehicle exposures including high annual kilometres, multiple driver scenarios, and vehicles operating in challenging environments such as construction sites, rural areas, or heavy urban traffic. We arrange appropriate excesses that balance premium costs against claims frequency, with graduated excess structures for younger or inexperienced drivers where necessary. For businesses with mixed fleets, we structure policies that accommodate passenger vehicles, utility trucks, heavy rigid trucks, prime movers, and specialist vehicles within unified programmes, providing efficient administration and consistent coverage standards. We ensure policies include hire car cover following accidents and loss of use provisions that recognise the business interruption impact when commercial vehicles are unavailable.

Our services include arranging motor fleet policies that provide automatic coverage for newly acquired vehicles, avoiding coverage gaps during the acquisition and registration process. We coordinate motor insurance with goods in transit coverage to ensure clear boundaries between vehicle damage and loss of cargo or equipment. For businesses operating mobile workshops, food trucks, or other revenue-generating vehicles, we arrange business interruption extensions that cover lost income during repair periods. We ensure driver training requirements and vehicle maintenance obligations required by insurers are clearly documented and achievable within your operational framework.

From professional services firms with small vehicle fleets through to transport operators, couriers, and construction businesses with substantial commercial vehicle operations, we deliver motor insurance solutions tailored to your fleet composition and usage patterns. Our focus is on securing comprehensive coverage with appropriate limits, managing premium costs through effective risk management and driver programs, and ensuring claims are settled efficiently to minimize vehicle downtime and operational disruption to your business.