M R Ratcliffe Consultants Ltd (company number 2127940) was set up in Cheltenham back in 1976 as a specialist insurance broker focusing on the transport industry. From small beginnings we are now one of the UK’s largest operators with 22 employees. We advise and arrange many different types of insurance covers.
About Ratcliffes
Supporting UK businesses with confidence for 50 years
Director’s Message (50th Anniversary Edition)
As we mark 50 years of Ratcliffes Insurance Brokers, we reflect on a journey built on trust, relationships, and a deep understanding of the industries we serve.
Since 1976, our focus has remained the same: to provide clear, reliable insurance solutions that genuinely support our clients’ businesses. Over the years, both our clients and the risks they face have evolved, but our commitment to service, integrity, and long-term partnership has never changed.
Today, we support businesses across a range of areas, including transport, commercial vehicle, liability, personal accident, and cyber insurance - providing solutions that are practical, responsive, and tailored to individual needs.
Reaching this milestone is not just about longevity - it is about the relationships we have built, the challenges we have helped our clients navigate, and the trust placed in us every day.
Looking ahead, we remain focused on delivering practical, responsive insurance solutions, backed by experience and a personal approach that continues to define Ratcliffes.
Thank you to our clients, partners, and team for being part of our journey.
Michael Ratcliffe MBE
CEO
Our Mission Statement
To allow our customers and brokers to focus on their trading activities
by ensuring their insurance requirements are fully met at Competitive Prices
through our Easily Accessible, Dedicated and Experienced Staff.
Consolidate our profitable growth by extending our reputation for;
Quality Long-Term Stakeholder Relationships,
Service Excellence,
Effective Communications,
and Long-Term Planning.
Who We Are
Our Team
Expertise
The majority of our staff have been with the company for many years and have acquired much knowledge and experience, whether advising you on insurance covers and prices or handling those unfortunate claims when they occur. The result of this long term expertise gives us great pride in offering a personal service to a large number of long-standing customers.
Our success in meeting your needs and expectations by delivering a tailor made quality service at competitive prices is paramount.
Qualifications and Membership
M R Ratcliffe Consultants is authorised and regulated by the Financial Conduct Authority (FCA), registration number 309607.
We are a long-standing member of the British Insurance Brokers’ Association (BIBA), the UK’s leading general insurance intermediary organisation, which represents the interests of insurance brokers, intermediaries and their customers.
Finally, as transport insurance specialists, we are members of both the Road Haulage Association (RHA) and Logistics UK (formerly the Freight Transport Association).
Relationships
Strong working relationships with our Insurer partners is important to us. The development of tailored schemes has been essential in allowing us to provide you, our customer, with wide insurance covers, extremely competitive prices, immediate cover, streamlined documentation and an excellent claims service. Our tailored schemes are also available through other market intermediaries.
As part of our ongoing commitment to provide excellent customer service, calls may be recorded.
Our Journey
From our early beginnings nearly five decades ago to supporting modern UK businesses today, Ratcliffes has evolved alongside the industries we insure. Explore our history.