KGM Commercial Fleet — Own Goods & Private/Public Hire

KGM Commercial Fleet — Own Goods appetite

Capacity: Zurich (AA (S&P) / A+ (A.M. Best) rated), underwritten by KGM on a bespoke basis. Dedicated support team with direct access to underwriters.

Eligibility: UK registered companies or sole traders with evidence of operation. Companies operating in the UK only, with a proven history. Fleets with at least 3 years' confirmed claims experience.

Vehicles: commercial vehicles up to 7.5t. Business use cars. Minimum of 5 vehicles, no maximum.

See also the shared decline list (kgm-commercial-fleet-declines.md) — applies to this offering as well as Private Hire / Public Hire.

KGM Commercial Fleet — Private Hire / Public Hire appetite

Capacity: Zurich (AA (S&P) / A+ (A.M. Best) rated), underwritten by KGM on a bespoke basis. Dedicated support team with direct access to underwriters.

Eligibility: UK registered companies or sole traders with evidence of operation. Companies operating in the UK only, with a proven history. Fleets with at least 3 years' confirmed claims experience.

Vehicles: taxis up to 9 seats and mini-buses up to 17 seats (including driver). Minimum of 5 vehicles, no maximum.

Licensing: rural and semi-rural licensing authorities.

See also the shared decline list (kgm-commercial-fleet-declines.md) — applies to this offering as well as Own Goods.

KGM Commercial Fleet — what we don't quote on

Applies to both Own Goods and Private Hire / Public Hire offerings.

Decline: companies operating fully or partly in carriage of goods for hire & reward, carriage of hazardous goods, multi-drop, self-drive-hire, waste disposal, security services, financial/legal services, emergency services, domestic services, charity, or religious fields.

Decline: companies operating outside the UK. Companies operating in hazardous locations. Vehicles which go airside. SD&P-only vehicles (social, domestic & pleasure — no business use).

Decline: "car only, Own Goods fleets" — as listed in the source slide. This bullet is terse in the original (three comma-separated fragments); worth confirming the exact intent with the domain owner before relying on it — it reads as fleets that are Own Goods but consist only of cars (no vans/trucks), but that isn't stated explicitly.