Commercial Motor — courier, SCV and transportation appetite

Commercial Motor appetite — Courier

Note: source is a 4-column table (product / vehicle appetite / we want to see / we don't want to see) flattened by PDF text extraction. The want/ don't-want split below is reconstructed by inference, not a clean column read — worth a human check against the original PDF before treating it as authoritative.

Vehicles: up to 5 on a single policy. Vans only. Commercial vehicles up to 3.5 tonnes for hire & reward. Vehicles less than 12 years old.

We want to see: multi-drop and time-critical drop deliveries (fast food deliveries excluded); most loads considered including hazardous goods; EU use considered upon referral; drivers aged 25+ with 2+ years driving experience; established businesses with earned NCD; owner/operators; preferably drivers with 5+ years driving experience, aged 30+, with no adverse claim or conviction history.

We don't want to see: cars or vehicles under 3.5T; fast food delivery; licence held under 2 years; drivers under 25 years of age; single-vehicle, any driver policies; agency drivers; airside deliveries/transportation to, from and within airfields.

How to trade: via eTrade or Plug into ERS.

Commercial Motor appetite — Specialist Commercial Vehicle (SCV)

Note: source is a 4-column table (product / vehicle appetite / we want to see / we don't want to see) flattened by PDF text extraction — worth a human check against the original PDF before treating it as authoritative.

Vehicles: up to 10 on a single policy. Vehicles modified from standard, including Tuk Tuks. Bespoke builds and electric considered.

We want to see: hazardous use including fireworks, open flames and hazardous waste; specialist use types including catering, emergency and rescue (green and blue light), non-road registered, specialist types, marketing exhibition and retail, specialist and hazardous loads, specialist driver tuition; drivers aged 25 to 75 (will consider all ages upon referral); all levels of claims history considered; all driver history considered.

We don't want to see: vehicles that don't conform to a standard motor insurance policy; drivers under 25 years of age; agency drivers; high blue light exposure; vehicles that are not modified or used as a tool.

How to trade: via eTrade, or for more complex risks contact the specialist team on 0345 600 3893.

Commercial Motor appetite — Transportation

Note: source is a 4-column table (product / vehicle appetite / we want to see / we don't want to see) flattened by PDF text extraction. The want/ don't-want split below is reconstructed by inference, not a clean column read — worth a human check against the original PDF before treating it as authoritative.

Vehicles: up to 10 on a single policy. Commercial vehicles from 7.5 to 44 tonnes (hire & reward). Vehicles less than 12 years old. All other risks can be considered on referral.

We want to see: multi-drop and time-critical drop deliveries; most loads considered including hazardous goods; minimum licence requirement 12 months; EU use considered upon referral; drivers aged 25+ with 1+ years driving experience; established businesses with earned NCD; owner/ operators; preferably drivers with 3+ years driving experience, aged 30+, with no adverse claim or conviction history; vehicles between 7.5t and 44t; multi-vehicle policies.

We don't want to see: vehicles under 7.5t; HGV licence held under 1 year; drivers under 25 years of age; single-vehicle, any driver policies; agency drivers; airside deliveries/transportation to, from and within airfields.

How to trade: via eTrade.