From single vehicles to commercial fleets, competitive and comprehensive cover.
Motor cover protects your vehicles against accident, theft, and third-party damage — and covers the financial shortfall if a financed vehicle is written off while there's still a loan on it. Fleet cover does all of that, coordinated across multiple vehicles under one programme.
We place motor cover across insurers who actually compete for private and commercial vehicles, and build fleet programmes that reflect how vehicles are really used.
Accident, theft, hijacking, fire, and third-party damage — the default for most financed vehicles.
Lighter cover for older vehicles — covers damage to others and theft/fire of your vehicle, not accident to your own.
Pays the gap between the insurer's write-off settlement and what you still owe the bank.
A hire vehicle during repairs, towing, and roadside assistance when you're stranded.
Single-policy cover for multiple vehicles with consolidated reporting, telematics, and driver risk profiling.
Motorcycles, classic cars, trailers, caravans, and plant — with wording built for how these are actually used.
Personal vehicles — especially those on finance, where shortfall cover is essential.
Business owners whose personal vehicle also does commercial work — needing a business-use extension.
Logistics, courier, rental, and corporate operations needing coordinated cover, risk management, and central claims handling.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
When a financed vehicle is written off, the insurer pays market value — often less than the outstanding loan, especially in the first two years. Without shortfall cover, you pay off a car you no longer own. It's one of the cheapest and most-skipped elements of motor cover.
Vehicle type, where it's parked at night, driver profile, claims history, and excess level. Telematics (driving-behaviour tracking) is increasingly used — good drivers pay less, high-risk drivers pay more.
Not automatically. If you use a vehicle for deliveries, sales calls, or transporting goods, a business-use extension is needed — otherwise a business-related claim can be declined.
Usually from about 4–5 vehicles upward. Fleet policies treat the vehicles as one book of risk — one renewal, one claims process, and pricing based on overall loss ratio. Simpler and cheaper than separate policies once you have more than a handful.
Higher excess lowers your monthly premium but costs more per claim. Good for infrequent claimers with cash reserves. For fleets or frequent claimers, a lower excess smooths cash flow. We model both at quote stage.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.