# Commercial Motor — courier, SCV and transportation appetite (/docs/general/commercial-motor/appetite)

---
type: Document
title: Commercial Motor — courier, SCV and transportation appetite
description: Cross-insurer commercial motor appetite for courier, Specialist Commercial Vehicle (SCV) and transportation risks.
status: stable
sources:
  - id: fok-1
    resource: "Commercial Motor - Appetite"
generated: { by: "process:claude-code", at: 2026-09-21T12:56:20Z }
ksor:
  audience: [public]
  owner: human:vasimisap
  approval: { by: "human:vasimisap", at: 2026-09-21T12:56:20Z }
trust_tier: unverified
build_id: sha256:90bed6a582e1fba4b2bd6c66927dce23e751fe30227e8bad437b26c28f47ae91
source_commit: bc549a4402eb7fefdad306a82c002bb53cc58ba3
ksor_version: 0.0.60
---

## 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.