Ratcliffe’s underwriting fleet truck insurance for operators of five or more vehicles

Fleet insurance is a particularly competitive area. You may have limited markets and in recent months seen rapidly rising rates coupled with inflexible underwriters. We have over 45 years of specialist truck insurance knowledge and chances are our Ratcliffe underwriting fleet truck insurance team can help you.

We can consider most fleets whether they are own goods carriers or haulage contractors operating vans to heavy goods vehicles and pretty much anything in between. We’ll find the right policy cover at the best price.

Over 200 UK brokers and intermediaries trust us to provide insurance covers for their clients. There are no call centres and no long wait times. We give advice you can trust and service you can rely on.

Please include the following in your motor fleet presentation;

3 year motor fleet claims experience
Claims list
Vehicle schedule including trailers
Completed motor fleet factfinder

You can download one here;

Motor Fleet factfinder Haulage

Motor Fleet factfinder non-haulage

Looking for something more specialist…

Tipper and Mixer Operators including Quarry Franchisees

Transit and Liability Cover

Courier Insurance

Minibus Insurance

Why use Ratcliffes for your commercial fleet clients?

We provide fleet insurance for both own goods use and haulage (hire and reward)
Fleet cover is available for five or more vehicles (commercial, cars, and plant)
We cover most occupations and trade risks
We cover businesses based in England, Wales and Scotland for vehicle use within the UK and Europe
We cover the transportation of non-hazardous goods (some hazardous considered)
Trailers can be insured attached and detached when the insured is legally liable
We offer low-claims rebates of up to 10% on previous year’s premiums
Personal accident and illness cover is available

Our insurance products include

Commercial vehicle insurance
Goods in transit (GIT) cover with Public and Employers’ liability cover for haulage contractors, couriers, furniture removers.
Business legal expenses cover
Excess protection cover
Personal / Group accident and illness cover

Risk Management*

Health and safety services
Subsidised driver training
Monetary bursaries available

*Terms and conditions apply.

Have you thought about…

We offer the following additional products and services you might need. For further details – Call us on 01242 544 544

Public Liability & Third Party Property Damage Uplifted Limits of Indemnity

There is often a requirement to uplift the standard policy cover limits which typically are £5,000,000 to £10,000,000 which we can include where needed.

Accident and Illness Cover

If you are unable to work following an accident, injury or illness then this cover will provided you with an income. We recommend that anyone who is self-employed to consider this invaluable cover.

Dashboard Cameras

Receive a discount on your premium, and help to prevent fraudulent claims, by installing a dashboard camera in your company vehicles. You’ll find video clips and more information, here.

Excess Reimbursement

Protect yourself from the cost of your excess in the event of a fire, theft or fault-accident claim. We offer several levels of cover, to suit your needs.