Own Goods & Trades

Car, LCV, HGV’s, Special Types & Agricultural Vehicles, 5+ Vehicles

Our dedicated team of experts can offer specific policy benefits tailored to fit your clients needs

Flexible approach to UW and rating with competitive prices
Dedicated operations team
Flexible approach to driving warranties
Cover for up to £20m for 3rd party property damage on cars and £5m on other vehicles
New for old cover for cars and vans up to 7.5 tonnes
Key loss and lock replacement as standard
Personal accident cover for drivers, with £10,000 indemnity per incident
Personal belongings cover up to £250 per incident
Driver packs and bump cards to provide assistance in an accident and proactive TP claims management
Medical expenses up to £500 per person

Target trades & most competitive:

  • Rural/semi-rural based risks
  • Low accident frequency and severity
  • Minimal exposure to young drivers
  • Minimal exposure to agency drivers
  • Low staff turnover
  • Vehicle and/or driver risk management


  • Charities
  • Construction and engineering
  • Educational
  • Healthcare and medical
  • Trades and services
  • Plant hire
  • Professionals
  • Property
  • Retail and manufacturing

Got a Own Goods and Trades risk that needs underwriting?