Commercial vehicle insurance
Flexible cover for transport businesses, fleets and specialist vehicle operators
Commercial vehicles are essential to keeping your business running. Whether you operate a single vehicle or manage a large fleet, having the right insurance in place is critical to protecting your operations.
At Ratcliffes Insurance Brokers, we have supported transport businesses since 1976. We help operators arrange commercial vehicle insurance that reflects how they use their vehicles in practice.
From haulage and courier operations to specialist vehicles, we work with you to arrange cover that supports your business without paying for unnecessary extras.
Our commercial vehicle insurance
We offer insurance designed for different types of transport businesses and vehicle use.
HGV & truck insurance
Designed for haulage operators, logistics businesses and companies operating heavy goods vehicles.
Covers articulated lorries, rigid trucks and vehicles used for long-distance or specialist transport.
Courier & light haulage insurance
For businesses transporting goods such as parcels, small loads and time-sensitive deliveries.
Includes options for Goods in Transit and liability cover tailored to courier operations.
View Courier & light haulage insurance
Tipper & mixer operators insurance
Specialist cover for construction and infrastructure-related vehicles, including tippers and mixers.
Structured around the risks associated with site work and heavy-duty operations.
Why choose Ratcliffes
Whatever the size of your business, from a single vehicle operator to a large fleet, your vehicles are central to your operations.
Our experience working with haulage companies, own-goods operators and specialist transport businesses means we understand:
- The pressures of keeping vehicles on the road
- The importance of minimising downtime
- The need to balance cost with appropriate cover
We focus on helping you arrange insurance that reflects your business, rather than applying a one-size-fits-all approach.
Types of vehicles and operations covered
We work with businesses across transport sectors and vehicle types, including:
- Construction and infrastructure transport
- Refrigerated and temperature-controlled vehicles
- UK and European transport operations
- Container and port-related haulage
- Vehicles with mounted equipment (e.g. cranes or grabs)
- Own goods and specialist transport
If your business operates commercial vehicles, we can help you explore suitable insurance options.
Additional covers available
Alongside vehicle insurance, you can arrange additional protection as part of a wider insurance programme.
This may include:
- Goods in Transit insurance
- Public liability insurance
- Employers’ liability insurance
- Personal accident cover
- Legal expenses cover
These covers can help provide protection across vehicles, goods and liabilities within your business.
Our commercial team
At Ratcliffes Insurance, our Commercial Team is here to support every aspect of your insurance needs, whether you’re securing a new policy, managing an existing one, or handling claims.
New Policies: If you are looking to insure a new fleet or add to your current cover, our team is ready to guide you through the process. Specialists like Karl Illston and Craig Snow give you tailored advice and quotes built around how your business actually runs.
Existing Customers: Maintaining and updating your policy is as important as securing it initially. For existing clients, our team members are here to handle renewals and mid-term adjustments efficiently. Whether you need to update your cover or make changes to your policy, we provide seamless service to keep your business protected.
Making Claims: In the unfortunate event of a claim, Sara Bloxsome is dedicated to assisting you through the process with prompt, professional support. Our aim is to make the claims process as smooth and stress-free as possible, ensuring you receive the support you need when you need it most.
Personalised Assistance: Our experts, including Jenny Darling, Jackie Bowles, and Martin Davis, are dedicated to offering personalised assistance based on your fleet size and specific needs. From mid-term adjustments to tailored advice, we are here to ensure your insurance cover adapts to your evolving business.
We know commercial vehicles and the people who run them. Talk to the Ratcliffes commercial team and keep your business on the move with the right cover.
Karl Illston
New Business 1 to 4 Vehicles
Craig Snow
New Business & Renewals 5+ Vehicles
Jenny Darling
Mid-Term Adjustments 1 to 4 Vehicles
Jackie Bowles
Mid-Term Adjustments 1 to 4 Vehicles
Martin Davis
Mid-Term Adjustments 5+ Vehicles
Sara Bloxsome
Claims