Group Personal Accident & Annual Travel Cover, Built for How Businesses Really Operate

At Ratcliffes, commercial vehicle insurance remains at the heart of what we do for brokers. But businesses do not stand still, and neither do their risks.

Today, we are pleased to introduce Group Personal Accident and Annual Business Travel Insurance as additional covers available to brokers through our online quote and policy system.

These products are designed to support a wide range of customer businesses from smaller organisations to larger, more complex operations, while giving brokers the control, clarity, and efficiency they need.

Group Personal Accident Insurance: Protection That Fits the Workforce

Every business is different. Some operate from offices, others from warehouses or sites, and many have a mix of roles under one roof. Group Personal Accident insurance recognises this reality.

Cover can be structured around how people actually work, allowing brokers to tailor protection to suit their customer’s organisation.

What this means in practice

• Defined categories of people
  Directors, clerical staff, manual employees, drivers, or other occupational groups can be insured separately within the same policy.

• Flexible operative time
  Cover can apply:

  • during working hours only

  • including commuting

  • or on a 24-hour basis, where broader protection is required

• Adjustable benefit structures
  Benefits can be arranged as:

  • fixed sums, or

  • multiples of salary
    depending on how the business prefers to protect its people.

• Outside-work cover where selected
  Where chosen, protection can extend beyond the workplace, providing reassurance that employees are covered not only while working, but also outside work.

The result is a policy that reflects the real exposure of the business - not a one-size-fits-all approach.

Annual Business Travel Insurance: Cover That Moves With the Business

Business travel today isn’t limited to occasional overseas trips. It can include frequent short journeys, mixed destinations, and travel undertaken by different types of people on behalf of the organisation.

Annual Business Travel Insurance is designed to reflect these realities.

Key features brokers should know

• Travel patterns that match reality
  Premiums adjust based on:

  • destination (UK, Europe, Rest of World)

  • trip duration

  • number of trips

• Clear operative time choices
  Policies can be set for:

  • business travel only, or

  • all travel, including private travel, where required

• Broad, clearly defined benefits
  Including medical emergencies, personal belongings, cancellation and curtailment, travel delay, personal liability, legal expenses, and optional personal accident benefits.

• Cover aligned to real business travel arrangements
  The policy is structured to respond appropriately when people are travelling on behalf of the insured organisation, within the declared journey parameters, helping avoid unintended gaps while maintaining clear underwriting boundaries.

Separate Covers, Bought Together or Individually

Group Personal Accident and Annual Business Travel Insurance are separate covers, each with its own structure and benefits.

Brokers can arrange:

• one or the other, or

• both together,

depending on the customer’s needs.

This keeps advice clear, avoids unnecessary overlap, and allows each risk to be addressed properly.

Built for Brokers: Simple, Controlled, and Efficient

Both products are available through Ratcliffes' online broker quote and policy system, designed to support day-to-day brokerage workflows.

Through the platform, brokers can:

• create and manage client companies and contacts

• generate real-time quotes with automatic premium calculations

• issue policies directly once quotes are confirmed

• access professionally generated policy documents

• maintain a full audit trail of quotes and policies

Once a broker company is set up, additional broker users can be added, allowing teams to manage their own quotes and policies efficiently - all within a secure, controlled environment.

A Natural Extension of Our Broker Offering

These new products complement our core commercial vehicle insurance proposition and reflect Ratcliffes' continued investment in broker-focused solutions.

By combining flexible cover design with an efficient digital platform, we aim to help brokers support their customers with confidence - whether they are protecting people at work, on the move, or beyond.

If you are an existing broker partner or a broker new to Ratcliffes, please contact us using our enquiry form. Ratcliffes will work with you to arrange access to the platform.