Brokers who know your business.
Independent since 1976. Decades of insuring Britain’s hauliers taught us to get the detail right, and we bring the same care to growing businesses, private clients and specialist work.
Speak to a broker Monday to Friday, 9am to 5pm.
- BIBA Official Scheme Provider for transport insurance
- Trusted by over 350 UK brokers and intermediaries
- AXA Premier Partner and Aviva 110 Club member
One independent broker. Expertise where you need it.
Ratcliffes brings together specialist knowledge, market relationships and a personal service for the risks that matter to you.
Transport & Haulage
Specialist advice for operators, vehicles, fleets and the goods that keep Britain moving.
ExploreBusiness & SME
A clearer route through the risks that matter to growing businesses, from people and premises to vehicles and digital systems.
Talk to us about what you need.ExplorePrivate Clients
A private-client service for people who want a broker to understand the value, detail and people behind what they own.
Talk to us about what you need.ExploreMedia & Specialist
Insurance for production companies, camera operators and creative professionals whose work does not fit a standard template.
ExploreExperience that works for your business.
Since 1976, businesses across Britain have trusted Ratcliffes to help protect what they have built.
Meet RatcliffesStraight through to your broker
Pick up the phone and you get the person who handles your policy. No call centre, no queue.
Insuring hauliers since 1976
Hauliers and businesses have relied on our advice since 1976. We know the road and the risks on it.
Truckcover Transit
Our own goods in transit package, backed by AXA and only available through Ratcliffes.
300 years of experience
A combined 300 years of insurance experience under one roof.
Relationships that extend our reach.
Independent means we aren’t owned by an insurer.
Official Scheme Provider
BIBA
BIBA has selected us as the Official Scheme Provider for Transport Insurance.
Visit BIBA (opens in a new tab)
Selected Broker Partner
Cyber Resilience Centre
Cyber Resilience Centre has chosen us as their Selected Broker Partner.
Visit Cyber Resilience Centre (opens in a new tab)
Honorary Patron
ACO
We are a chosen Honorary Patron of ACO trusted by camera operators across the country.
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Proud member
LOGISTICS UK
We are a proud member of LOGISTICS UK, supporting our transport industry customers.
Visit LOGISTICS UK (opens in a new tab)110 Club member
Aviva
We are a member of the exclusive Aviva 110 Club.
Visit Aviva (opens in a new tab)

Business community
Cheltenham Chamber of Commerce
We are an integral part of our local and national business communities.
Visit Cheltenham Chamber of Commerce (opens in a new tab)People who stay with Ratcliffes.
4.6out of 5 on Google reviews (opens in a new tab)Back in the 1970s, a young Michael Ratcliffe arrived, ready to sort out all our policies, question gaps in cover, and take charge of our insurance needs. From that moment, we knew he was the right man for the job. We were his first customer.
As a family run business we are proud and happy to have been insured by M R Ratcliffe for over 40 years, and now have sons and daughters carrying on our close business relationship. Thank you for the help and advice during our 40 years together.
When Ratcliffes says they offer ‘trusted, comprehensive insurance solutions tailored to your unique needs across the UK,’ they aren’t kidding! As a US company with a client abroad in the UK, we spent weeks searching for a US or UK broker that could provide the top-up coverage we needed with a short period PLI policy; more than a dozen brokers (US and UK) turned us down due to the unique circumstances of our situation. We were barely three days from the event when Henry and Ratcliffes quite literally saved the day! Henry was quick to respond, easy to work with, and provided exactly what we needed on incredibly short notice! Ratcliffes will now be our FIRST call for future UK coverage needs!
I’ve used M R Ratcliffe Consultants for over 20 years. Always given the best quotes available. Always ready at the end of the phone if you have a question. If a vehicle change is ever needed it’s just matter of a phone call and it’s done. I would recommend Ratcliffe’s every time.
I have dealt with Ratcliffes for over ten years for haulage and hauliers liability products. In that time competition has intensified as the market is constantly changing. They have dealt with the changes and remained competitive.
Ratcliffes have a refreshingly positive can-do attitude, so much so that I go to them before anyone else and have an excellent conversion rate as a result.
It was a pleasure undertaking business with Ratcliffes and dealing with knowledgeable, competent professionals.
Having been in the industry for over 30 years, I’ve seen brokers become more automated, often with a ‘take it or leave it’ approach. Not so with Ratcliffes. From the very first contact, they sought to understand my business, its challenges, and future potential. For once, I felt genuinely listened to, with a true appreciation that every business is unique and requires a bespoke solution.
Easy to deal with, always available to advise and protect our business in an ever-changing industry. Ratcliffes have over 30 years’ experience specialising in the transport sector and provide stability.
Having dealt with Ratcliffes for over ten years, we’ve always been very satisfied with their service. Despite being based across the country, claims and renewals have always been handled smoothly, and the team is consistently friendly and helpful.
Other brokers regularly approach us, but we see no reason to change what has been a strong and reliable working relationship, which we are confident will continue well into the future.
Ratcliffes have always offered excellent insurance cover, but it is the brilliant staff that make this company outstanding.
10/10 Ratcliffes. Keep up the good work. Thank you.
Just keep on doing what you do… A great friendly service.
Ratcliffes make life so much easier when it comes to sorting out our insurance requirements.
The expertise and service received from Ratcliffes never falls below excellent.
Very quick with quotes Very competitive rates and amazing customer services. Will use for on going work. Thanks HENRY.
Absolutely brilliant company, Karl managed to save me more than a few quid on my truck insurance compared to other companies and an absolute pleasure to deal with too
14 reviews
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