Commercial Vehicle Insurance

Flexible cover for transport businesses, fleets and specialist vehicle operators

Ratcliffes Insurance Brokers celebrating 50 years anniversary

Commercial vehicles are essential to keeping your business running. Whether you operate a single vehicle or manage a large fleet, having the right insurance in place is critical to protecting your operations.

At Ratcliffes Insurance Brokers, we have been supporting transport businesses for 50 years, helping operators across a wide range of sectors arrange commercial vehicle insurance that reflects how their vehicles are used in practice.

From haulage and courier operations to specialist vehicles, we work with you to arrange cover that supports your business without paying for unnecessary extras.

Our Commercial Vehicle Insurance Solutions

We offer a range of insurance solutions designed for different types of transport businesses and vehicle use.

HGV & Truck Insurance

Designed for haulage operators, logistics businesses and companies operating heavy goods vehicles.
Covers articulated lorries, rigid trucks and vehicles used for long-distance or specialist transport.

View HGV & Truck Insurance

Courier & Light Haulage Insurance

For businesses transporting goods such as parcels, small loads and time-sensitive deliveries.
Includes options for Goods in Transit and liability cover tailored to courier operations.

View Courier & Light Haulage Insurance

Tipper & Mixer Operators Insurance

Specialist cover for construction and infrastructure-related vehicles, including tippers and mixers.
Structured around the risks associated with site work and heavy-duty operations.

View Tipper & Mixer Operators Insurance

Why Choose Ratcliffes

Whatever the size of your business – from a single vehicle operator to a large fleet – your vehicles are central to your operations.

Our experience working with haulage companies, own-goods operators and specialist transport businesses means we understand:

The pressures of keeping vehicles on the road
The importance of minimising downtime
The need to balance cost with appropriate cover

We focus on helping you arrange insurance that reflects your business, rather than applying a one-size-fits-all approach.

Types of Vehicles and Operations Covered

We work with businesses across a wide range of transport sectors and vehicle types, including:

Construction and infrastructure transport
Refrigerated and temperature-controlled vehicles
UK and European transport operations
Container and port-related haulage
Vehicles with mounted equipment (e.g. cranes or grabs)
Own goods and specialist transport

If your business operates commercial vehicles, we can help you explore suitable insurance options.

Additional Covers Available

Alongside vehicle insurance, many businesses choose to arrange additional protection as part of a wider insurance programme.

This may include:

Goods in Transit insurance
Public Liability insurance
Employers’ Liability insurance
Personal accident cover
Legal expenses cover

These covers can help provide protection across vehicles, goods and liabilities within your business.

Our Commercial Team

At Ratcliffes Insurance, our Commercial Team is here to support every aspect of your insurance needs, whether you’re securing a new policy, managing an existing one, or handling claims.

New Policies: If you are looking to insure a new fleet or add to your current coverage, our team is ready to guide you through the process. With specialists like Karl Illston and Craig Snow, we ensure you receive tailored advice and competitive quotes that suit your business’s specific requirements.

Existing Customers: Maintaining and updating your policy is just as important as securing it initially. For existing clients, Malcolm Page and our team members are here to handle renewals and mid-term adjustments efficiently. Whether you need to update your coverage or make changes to your policy, we provide seamless service to keep your business protected.

Making Claims: In the unfortunate event of a claim, Sara Bloxsome is dedicated to assisting you through the process with prompt, professional support. Our aim is to make the claims process as smooth and stress-free as possible, ensuring you receive the support you need when you need it most.

Personalised Assistance: Our experts, including Jenny Darling, Jackie Bowles, and Martin Davis, are dedicated to offering personalised assistance based on your fleet size and specific needs. From mid-term adjustments to tailored advice, we are here to ensure your insurance coverage adapts to your evolving business.

With our deep industry knowledge and commitment to exceptional service, the Ratcliffes Commercial Team is here to ensure your business stays on the move with the right insurance coverage. Contact us today to experience the difference.