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 Specialty Motor Fleet, we aim to 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 been writing fleet business since 2011. 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. We have a factfinder that highlights the information required to offer a bespoke quotation. With minimal administration fees and most policies on a declaration basis, your clients will find it easy to do business with us too.