News & Insurance Offers

Greencards and Brexit


Due to the uncertainty with Brexit and the resulting complexity of the insurance requirements please contact us to discuss how this potentially affects your business if you are taking your vehicle abroad or planning future trips.  

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HGV making a claim


It’s a scenario that will be familiar to many a HGV driver – you’ve just left your Operating Centre yard on a Monday for a week of haulage work all over the country and 20 minutes in a car tries to undertake you on a roundabout. You exchange details but...

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GAP (Guaranteed Asset Protection) insurance


It’s been nearly three years since the rules for selling GAP insurance from dealers changed. GAP (Guaranteed Asset Protection) insurance has been a staple additional product for motor dealers for many years. In its most basic terms, the policy exists to plug any “gap” between the outstanding finance on a...

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Conference season is upon us


These days there is a myriad of conferences, business shows and trade events that a company could attend. It appears that spring is the season to gather and to network. With so much choice how do you decide where to go and justify why attendance is necessary? Being active in...

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Cyber threat to Haulage Sector


Cyber security has become increasingly relevant to the haulage sector, an issue that can no longer be overlooked. There appears to be a lack of understanding of how effective cyber security strategies apply to transport and logistics businesses. Cyber security is the protection of computer systems from theft and damage...

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A Siberian winter blasting across the UK


This year is certainly proving to be a challenge. A Siberian winter blasting across the UK and Europe bringing temperatures plummeting with the likelihood of even more snow and ice on the way! Weather conditions could deteriorate suddenly, so ensure your vehicle does not have any underlying mechanical issues and...

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Don’t say no to D&O


A common misconception and question Directors of a start-up or a small company ask us is, does a company really need Directors and Officers insurance? Especially when as it is perceived to be too expensive to consider, on top of all the other company insurance costs. Yes is the answer, we...

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Not all haulage insurance providers are the same


There are horror stories regarding Commercial Vehicles at almost every turn. The human cost following incidents involving Lorries in the last 12 months has been appalling as well as the negative impact on their reputation. Equally, the notoriety of the courier industry – the archetypal White Van Man ignoring every...

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Preparing for Winter


As winter approaches road conditions across the country can become dangerous. We share some steps to help prepare your vehicles and keep you safe. Vehicle maintenance is vital Battery - cold weather has a tendency to lower battery power Check that the radiator is topped up with anti-freeze, make sure...

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Summer of fun


Inspiring our employees to take part in events and initiatives that support and encourage bonds with local communities has been part of the Ratcliffe way since the beginning. It is a privilege to take an interest in wider social issues. Our commitment to helping the community and the world around...

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Guest Blog – Roger Downes


Roger Downes of Andorran Chartered Accountants regularly writes for The Local Answer magazine, distributed around the Cotswolds. This month we are featuring an article he wrote on having adequate insurance protection for your business. Protecting Yourself When we meet people starting up their own businesses, particularly for the first time,...

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Truckfest 2017… We are half way there…


We are halfway through Truckfest 2017; so far it has proven to be a big hit. This annual pilgrimage gathers the truck drivers and hauliers from around the country to meet up, relax and enjoy some fine fleets and trucks. As proud sponsors of Truckfest for over 15 years, we...

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It’s official; the British summer is here.


With temperatures rising, it is just as important to pay attention to the dangers of driving in the summer as it is in the winter. Therefore some advice for truckers during a heatwave; Do not forget the suncream. Especially when it comes ‘Truckers Arm’ that awkward tan line where you...

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The impact of the Ogden Rate on Commercial Vehicle Insurance


It has been just over a month since the new rules regarding injury compensation payments came into force. The Discount Rate, also known as the Ogden Rate, forms part of the calculation used to determine the level of award in respect of cases involving serious injury. Although media attention has...

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Ogden Report


When insurance makes the news one can normally assume it is bad news for a customer. However, the announcement by the Government that the Discount rate – also known as the Ogden rate – was to reduce from 2.5% to -0.75% - caused shockwaves throughout the industry as a whole....

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Skills & Experience


The government's recent paper, ‘Fuller Working Lives’, warned that while the average age of people leaving the labour market has increased over the past two decades, it is still lower than it was in 1950 and is not keeping pace with increases in life expectancy. The scale of early exits...

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Heroes come in many shapes and guises


I am never quite sure how to answer the question. “So what do you do for a living?” Now, if you’re a firefighter, you can pretty much guarantee that people will be enthralled in the stories of rescue and danger, you are clearly in the presence of a real life...

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The start of 2017 brings three new people to M R Ratcliffe Insurance Brokers


Ratcliffe Insurance Brokers have some exciting news. We have had three new people joining our staff team. This is part of our on-going commitment in provide outstanding service to the transport insurance market. We are delighted to welcome Ewan Watson, Commercial Business Development Manager, Diann Sankson Agency Administrator and James...

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Tackling the Task List


I resolve to… Fill in the blank space.  It’s always the same, many of us reflect on the events, challenges and promises made in the previous 12 months. Armed with a new list, we are determined that this New Year, things will be different and that we WILL fulfil them....

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Happy Birthday Ratcliffes


You can’t have a celebration without cake, and we at M R Ratcliffes have cause to celebrate. It has been 40 years since we started to provide insurance for the transport and haulage industry. 1976 was the beginning of a great adventure. It was a good year, momentous not just...

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Connecting the corporate world with the Christmas Spirit


At what point does Christmas begin? Each year it seems that the lead up to it gets earlier and earlier, no sooner has the Halloween paraphernalia been whipped off the shelves that you find Christmas lights and nodding reindeers being set up. Now I’m no Grinch when it comes to...

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Truckfest Roadtrip 2016


We are very proud of our affiliation with the haulage industry. Bob Limming and Pete at Live Promotions do a fantastic job at putting it all together to make each occasion memorable. Having attended six of the seven events this year, only missing out on Edinburgh (which was a shame...

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Ratcliffe Celebrations


As part of our 40th anniversary celebrations, we combined an all-staff buffet lunch with our regular communications meeting in June. As part of our on-going process of making small changes to drive our business forward, we invited our staff to take the opportunity to share and discuss as a team...

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