Broker FAQs

You will find full details on our Set up an agency page.

It depends on what your client needs to insure and when we receive the enquiry. We can usually provide quotations for operators of up to four vehicles the same day. Quotations for fleets of five or more vehicles take a little longer, as we need to contact our fleet markets.

Once we have given you the quotation, we can place the cover.

We have been a family firm in the transport industry since 1976, and that includes work with some of the country’s leading haulage and own goods carriers. We understand the business you’re in, and can recommend competitively priced cover that’s tailored to your needs.

• Friendly, accessible staff to answer your queries and turn around quotes for 1 to 4 vehicles.
• We work closely with our brokers to provide competitive premiums to secure new and retain existing clients.
• We know the true cost of a claim is more than the accident: it’s the time their vehicle is off the road as a result. We’re dedicated to keeping your clients moving.
• Have you got an enquiry that’s a little different? We like a challenge. We cover everything from tippers to the carriage of llamas.
• We understand the need for personal contact and are happy to visit you to discuss opportunities to grow your business.

Not yet. Broker portals are on the way. Until then, the enquiry forms are on the Documents page, or call the team for your client’s fleet size.

Yes, we offer instalment options, all with competitive rates.

As an employer, your client is responsible for making sure their drivers hold the licence they need for company vehicles. The government’s online service lets them check driving licence data 24 hours a day, seven days a week.

You can find full details of the service on GOV.UK: check driving information.

You can use the service to check:

• That the employee holds a full driving licence for the type of vehicle they will be operating
• That the licence is valid, accurate, and up to date
• Whether the client is still within their two-year probationary period
• Whether they have any penalty points or disqualification on their licence

This insurance covers your client’s legal liability as an employer for any injury to their employees that arises out of, and in the course of their employment.

We can arrange this cover together with public liability and goods in transit under our Transit and Liability policy. This product is for haulage contractors, couriers and furniture removers.

Public liability insurance covers legal liability for any injury or damage to public property that arises from an accident in the course of their business activities. It applies where the motor policy doesn’t cover it.

Cover can also include liability for goods sold or supplied, known as product liability. Their motor insurance generally covers liability arising from goods carried on the vehicle.

We can arrange this cover together with goods in transit and employers’ liability under our Transit and Liability policy. This product is for haulage contractors, couriers and furniture removers.

Your client’s goods in transit (GIT) insurance must cover the extent of their financial liability to their customer. That is the amount they would need to repay in the event of a loss.

GIT often covers the full value of the goods carried, known as ‘all risks’ or ‘full responsibility’. It is often arranged by carriers of lower value goods, such as quarry and construction materials. Specialist carriers of high value goods such as plant, machinery, cars, boats and portable buildings arrange it too.

The alternative is to adopt conditions of carriage such as those set out by the Road Haulage Association (RHA) or Logistics UK. These restrict your financial responsibility to your customer to an agreed amount per tonne and stop you ending up underinsured without realising. Most carriers of general goods within the UK use this option.

If your client carries goods internationally, even for only the UK leg of the journey, they will need CMR cover. CMR is the Convention on the Contract for the International Carriage of Goods by Road.

We can arrange this cover together with public liability and employers’ liability under our Transit and Liability policy. This product is for haulage contractors, couriers and furniture removers.

Motor insurers automatically provide cover within European Union (EU) member countries. However, this cover only meets the minimum requirements of the country your client visits. The policy will not cover any damage caused by an accident, fire or theft, even a damaged windscreen.

For an additional premium, a foreign use extension gives a much wider level of cover while travelling abroad. You will also need to extend the goods in transit cover.

Unlike many private car insurance policies, commercial vehicle policies don’t provide a hire vehicle in the event of an accident. If your client has an accident that isn’t their fault, they may be able to recover the costs of hiring a vehicle, but this isn’t guaranteed.

To minimise the impact of losing a vehicle following an accident, we recommend loss of use cover. Our exclusive AXA goods in transit and combined liability policy automatically provides up to £300 cover a week, and you can scale this up to meet your client’s needs.

When it comes to transport insurance, there’s no one-size-fits-all solution. Here are some of the covers to consider:

• Commercial vehicle policy: can include trailer cover where required
• Goods in transit: recommended though not compulsory, and their contract with a customer may require cover arranged to meet specific requirements
• Public liability
• Employers’ liability

The policyholder needs to report any incident directly to insurers as soon as possible. The insurer’s contact number is in the policy document. You will also find insurer numbers on this site: see How to report a claim.