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Motor Fleet

Motor is a surprisingly emotive class of insurance. Most of us have cars and regard ourselves as good drivers, so fleet clients often have strong views on the level of cover they need. Yet claims costs remain high and clients can be surprised by how high they can be - there really are no 'minor knocks' now.

That's why at Pen, we offer long term pricing stability to help clients avoid peaks and troughs in premiums. We achieve this by using a rating tool based on minimum exposure rates, adjusted to cover historic and predicted claims costs

Concentrating on underwriting performance we have grown steadily and are now writing in excess of £10million GWP. We attribute this to our expertise on the exact use of vehicles, gross vehicle weights of commercial vehicles and exposure to various driver profiles - and this is how we help our broker partners to grow their fleet business too.

We pride ourselves on being easy to do business with, and for fleet risks, we know that means speed of service. Plus, where you can help us understand the detail of the risk, we can offer bespoke pricing. Our policies are non-transferable which means that if your client goes elsewhere the policy won't transfer.

And, with minimal administration fees and the majority of policies on a declaration basis, your clients will find it easy to do business with us too.

Who Qualifies?

Our risk appetite is broad and includes niche areas such as Bus, Coach and Minibus. We are particularly competitive on fleets of 10+ car and LCV vehicles. We define fleets as five or more vehicles with verified CCE.

We don't cover classes where we can't add value so we exclude entertainment risks, haulage, skip hirers or self-drive hire. Pen Underwriting offers a specialised Motor Fleet for Hazardous Industries product for haulage risks involving the carriage of hazardous goods.

We favour risks with driver age profiles, so provision of detailed risk information is important.

What's covered?

Does your client also need?

  • Bus and Coach Personally underwritten for a bespoke quote Bus & coach fleets up to £100k GWP
    View
  • Risk Managed Commercial - Regional Commercial Combined Personally underwritten for a bespoke quote Supported by online risk management and bespoke risk surveying
    View
  • SME Buy online from Pen or trade with an underwriter Solutions for SMEs all in one place
    View

Documents

  • Motor Fleet from Pen Download the information on this webpage as a brochure
  • Additional Drivers Questionnaire
  • Coach Factfinder Pen Motor Fleet

Contacts

Ivan Hall
Underwriting Director - Motor Fleet
01372 869716
Email
Dean Constable
Underwriting Team Leader - Motor Fleet
01372 869753
Email

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Did you know Pen also offers:

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