Business Details
50 Years
experience
Tailored Insurance Solutions for UK Businesses
Established in 1976, we have built a reputation as a trusted insurance brokerage specialising in tailored solutions for businesses across the UK. Our expertise spans commercial vehicle, courier, media, personal accident, and cyber liability insurance, with a focus on delivering comprehensive coverage and exceptional service. With nearly five decades of experience, we combine deep industry knowledge with a customer-centric approach, ensuring clients receive policies that align precisely with their operational needs.Our partnerships with leading insurers and recognition by organisations like BIBA and the Cyber Resilience Centre underscore our commitment to quality and reliability. We prioritise transparency, responsiveness, and long-term relationships, supporting clients from policy selection through to claims resolution. As a family-run business, we remain dedicated to safeguarding what matters most to our clients while actively contributing to the communities we serve.
Services
Commercial Vehicle Insurance
Courier Insurance
Media Industry Coverage
Tipper Mixer Insurance
Personal Accident Insurance
Cyber Liability Insurance
Details
- Year established: 1976
Highlights and features
- We offer tailored insurance solutions with 48 years of industry expertise.
- Our customer-centric approach ensures transparent communication and responsive service.
- We provide comprehensive coverage across commercial vehicle, cyber, and specialist insurance.
- Our partnerships with leading insurers guarantee competitive pricing and reliable protection.
- We maintain long-term relationships with clients through trusted advisory support.
Associations and certifications
- British Insurance Brokers Association (BIBA)
- Financial Conduct Authority (FCA)
- Road Haulage Association (RHA)
- Logistics UK
- AVIVA 110 Club
- AXA Premier Partners
- Cyber Resilience Centre Partner
What people say
Trusted, comprehensive insurance solutions
Quick response in urgent situations
Long-term business relationships
Tailored coverage for unique needs
Excellent claims handling
Services
Commercial Vehicle Insurance
Our Commercial Vehicle Insurance protects business vehicles including vans, lorries, and specialist equipment against accidents, theft, and damage. Flexible policies cater to single vehicles or fleets, minimising operational disruptions. With options for comprehensive coverage, we ensure businesses maintain continuity while managing risks effectively.
Courier/Light Haulage Insurance
Designed for professional couriers and haulage operators, this insurance combines Goods in Transit, Liability, and Comprehensive Motor coverage. It safeguards cargo against loss or damage and protects vehicles from theft or accidents, providing complete protection for delivery-based businesses operating across the UK.
Cyber Liability Insurance
Cyber Liability Insurance mitigates risks from data breaches, cyber attacks, and online threats. Coverage includes data recovery costs, customer notifications, and legal defence expenses. Our policies help businesses maintain continuity and compliance while addressing evolving digital security challenges.
Personal Accident Insurance
Personal Accident Insurance provides financial protection against injuries or death from accidents. It covers medical expenses, income loss, and lump-sum payments for severe injuries, offering security for individuals both professionally and personally through tailored policy options.
Tipper Mixer Insurance
Specialised insurance for tipper trucks and concrete mixers, covering accidental damage, theft, and breakdowns. Designed for construction and transport professionals, this policy includes liability protection to ensure heavy-duty vehicles remain operational with minimal downtime.
People
Michael Ratcliffe MBE
CEO
With over 45 years in the insurance industry, Michael founded Ratcliffes in 1976 and has led its growth into one of the UK's largest transport insurance brokers. His expertise in risk management and commitment to client service remain central to the company's success.
Questions
What types of insurance does Ratcliffes offer?
We provide commercial vehicle, courier, media, personal accident, cyber liability, and specialist insurance tailored to business and individual needs.
How do I make an insurance claim?
Visit our 'Make A Claim' section online or contact our claims team directly for assistance with the process.
Do you cover businesses outside the UK?
While primarily serving UK clients, we have experience supporting international businesses with UK-based operations.
Are your insurance policies flexible?
Yes, all policies are customisable to meet specific industry requirements and risk profiles.
How quickly can I get a quote?
Online quotes are available immediately for select products, or contact our team for tailored proposals.
