Welcome to ratcliffes insurance

Your Trusted Insurance Partner

Courier Insurance

We provide cost-effective comprehensive insurance packages for single and multi-vehicle couriers, all underwritten by major UK insurers. All business is handled by our dedicated staff, who are experts in the courier market.

Features and benefits include…

  • Commercial Vehicle Insurance
  • Goods in Transit (GIT) All Risks cover
  • Cover for hand scanners can be included
  • £5,000,000 Public Liability cover as standard
  • £10,000,000 Employers’ Liability cover
  • Uninsured Loss Legal Expenses cover

 

Why Choose Us?

Tailored Solutions

Your needs are unique, and so are our solutions. We take the time to understand your specific requirements and customise the insurance plans that fit you and your needs.

Trusted Advisors

We’re not just insurance brokers; we’re your partners in risk management. Our team of experienced advisors is committed to providing expert guidance at every step. From choosing the right policies to handling claims, we’ve got your back.

Wide Range Of Coverage

Your satisfaction is our priority. We believe in transparent communication, responsiveness, and building lasting relationships with our clients. Experience the difference of working with a brokerage that genuinely cares about your peace of mind.

Customer-Centred Approach

Whether it’s personal accident cover, cyber insurance cover, business insurance, or specialised coverage, we offer a comprehensive range of insurance products. Our diverse portfolio ensures that you have access to the protection you need, no matter the circumstances.

OUR COMMERCIAL TEAM

Mike Shaw

New Business and Renewals 5+ Vehicles

01242 544511

Karl Illston

New Business 1 to 4 Vehicles

01242 544511

Malcolm Page

Renewals 1 to 4 Vehicles

01242 544522

Jenny Darling

Mid-Term Adjustments 1 to 4 Vehicles

01242 544512

Jackie Bowles

Mid-Term Adjustments 1 to 4 Vehicles

01242 544575

Martin Davis

Mid-Term Adjustments 5+ Vehicles

01242 544532

Sara Bloxsome

Claims

01242 544507

Frequently Asked Questions

Everything you need to know About courier insurance

Covering you in the event of loss of or damage to the load being carried. We include Tarmac hardening cover as standard. Loss of Drum & Solidification cover for concrete mixers is available as an optional cover extension.

Covers your legal liability for injury to or damage to the property of the public arising from an accident in the course of your business activities as a haulage contractor, but not arising from circumstances that are covered by your motor policy. Liability arising from goods that have been carried on the vehicle/s is generally covered by the motor policy.

Covers your legal liability as an employer for injury to employees arising out of and in the course of their employment. If you arrange Public Liability cover with us you will also receive Employer Liability cover for casual employees. If you have part or full time employees there is a need to extend the cover.

If your contract involves operating your vehicle in or on restricted areas of airports or airfields then you are airside and will need to include this specialised cover.

We will include this cover at no extra charge where we arrange motor cover.
It is for the recovery of uninsured losses such as your policy excess, loss of earnings, costs of hiring another vehicle, personal injuries from a third party in the event of a non fault / no blame accident. The cover limit provided is £100,000 for any one claim.

Provides vital protection for up to £100,000 for legal disputes including Contract & Debt recovery, Employment Disputes, Criminal Prosecution Defence Health & Safety, Tax protection, Motor legal defence, Legal and Tax advice, Counselling Assistance.
In addition this product also provides you with access to a revolutionary web service that drafts bespoke business legal documents such as employment contracts, health and safety policies and debt recovery letters.

If you are unable to work following an accident, injury or illness then this cover will provide you with an income. We recommend that anyone who is self-employed to consider this invaluable cover.

Our core insurance products

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