Our products

Ratcliffes’ HGV and Truck Insurance is designed for operators of heavy goods vehicles, from single units to full fleets. We arrange cover to reflect the real risks of road haulage, helping protect your vehicles, drivers, and day-to-day operations.

Whether you operate locally or nationwide, we arrange cover with flexibility in mind, supporting your business with solutions aligned to your vehicle usage, operating patterns, and compliance responsibilities.

Ratcliffes’ Mini Fleet Insurance brings multiple business vehicles together under a single policy, helping reduce paperwork and simplify renewals. We can arrange cover for businesses operating as few as two vehicles, subject to insurer criteria.

Whether your fleet includes company cars, vans or a mixture of commercial vehicles, Ratcliffes can help arrange flexible cover that reflects how your vehicles and drivers are used. The options are built to support your business as it grows.

Our Courier and Light Haulage Insurance provides two complementary cover options tailored for professional couriers and delivery drivers. Goods in transit and liability insurance includes Public and Employers Liability Insurance, offering protection for goods against loss or damage during transit and shielding your business from liability claims.

In addition, Comprehensive motor insurance provides full protection for your vehicle, covering accidental damage, theft, and other risks. Together, these options offer complete peace of mind, protecting both your business and the vehicles you rely on while they are on the road.

Which cover would you like a quote for?

Ratcliffes’ Media Cover provides essential equipment cover for professionals such as photographers, videographers, and broadcasters. This insurance protects against damage, theft, or loss, minimising disruptions to your work.

In addition, it includes liability cover to defend against claims related to your activities. Ratcliffes’ flexible options allow you to choose cover suited to the demands of the media industry, offering peace of mind for your work.

Ratcliffes’ Tipper Mixer Insurance provides specialised cover for operators of tipper trucks, concrete mixers, and heavy-duty vehicles, including Quarry franchisees. Designed to protect against accidental damage, theft, and breakdowns, this insurance minimises downtime for essential construction and transport vehicles.

With options that include liability cover, this policy meets the unique demands of heavy-duty transport professionals. Whether you’re an independent operator or part of a franchise, Ratcliffes offers peace of mind, keeping your business moving smoothly on and off the road.

Ratcliffes’ Group Personal Accident Insurance provides financial protection for employees and other insured persons following accidental injury or death, under cover arranged by their employer.

The policy pays benefits following an accident, and we can arrange cover to apply during work activities, outside work, or on a twenty-four-hour basis, depending on the options you choose. This allows businesses to offer valuable reassurance and support to their people in the event of unexpected incidents.

Annual Business Travel Insurance provides year-round protection for organisations whose directors and employees travel within the UK and/or overseas for work. A single annual policy can cover multiple trips during the policy period, offering consistency, efficiency and peace of mind.

We can arrange cover to reflect how your organisation travels, whether that involves regular overseas journeys, UK-based business trips, or a combination of both. Ratcliffes will discuss your requirements to help ensure the policy suits your business needs.

Ratcliffes’ Cyber Liability Insurance is designed to protect businesses against the risks of cyber threats, data breaches, and online attacks. This policy covers expenses associated with such incidents, including data recovery, customer notifications, compensation, and defence costs, helping to minimise the impact on your business.

Ratcliffes’ flexible cover options provide essential protection, allowing you to respond effectively to cyber attacks and focus on business continuity.