About Ratcliffes

As specialists in the transport insurance industry my aim is to always ensure that we give you a consistently high standard of service, commensurate with competitive prices.

My company has been doing this for over 45 years. I take pride in that some of our clients have partnered with us for this period of time.

The transport insurance market is a challenging industry and one where the unexpected frequently occurs. Our experience and longevity in this market makes us a company you can rely on.

Should you decide to place your insurance requirement with my company I can assure you we shall do everything in our power to maintain a long and successful relationship.

Michael Ratcliffe MBE
Managing Director

About Ratcliffes

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 approximately 30 employees. We advise and arrange many different types of insurance covers.

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”


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 Ltd 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).


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.