Business Details
50 Years
experience
Tailored Insurance Solutions for Your Business Needs
Established in 1976, Ratcliffes Insurance Brokers Insurance Brokers has built a reputation as a trusted partner in providing tailored insurance solutions across the UK. Our expertise spans commercial vehicle, courier, media, and cyber liability insurance, among others, with a focus on delivering comprehensive coverage that aligns with the unique needs of each client. With nearly five decades of experience, we combine deep industry knowledge with a customer-centric approach, ensuring businesses receive both expert guidance and responsive support. Our team of seasoned professionals prioritises transparency, adaptability, and long-term relationships, reflecting our commitment to safeguarding clients against evolving risks.Recognised by leading industry bodies such as BIBA and the FCA, we maintain rigorous standards of service excellence while fostering innovation to meet modern challenges. Our partnerships with major insurers enable us to offer competitive pricing without compromising on quality, ensuring clients benefit from both value and reliability. Rooted in Cheltenham but serving clients nationwide, we remain a family-run business dedicated to community engagement and ethical practices. From policy selection to claims management, our goal is to provide peace of mind through solutions that protect what matters most to our clients.
Services
Commercial Vehicle Insurance
Courier/Light Haulage Insurance
Media Industry Coverage
Tipper Mixer Insurance
Personal Accident Protection
Cyber Liability Insurance
Details
- Year established: 1976
Highlights and features
- Trusted Advisers: Expert guidance from risk assessment to claims management.
- Tailored Solutions: Customised insurance plans for unique business requirements.
- Wide Range Of Coverage: Specialised policies for transport, cyber, and personal accident risks.
- Customer-Centred Approach: Transparent communication and lasting client relationships.
- Market Expertise: In-depth knowledge of evolving insurance trends and regulations.
Associations and certifications
- British Insurance Brokers Association (BIBA)
- Financial Conduct Authority (FCA)
- Road Haulage Association (RHA)
- Logistics UK
What people say
Long-standing relationships
Competitive pricing
Excellent claims service
Dedicated support
Industry expertise
Services
Commercial Vehicle Insurance
Ratcliffes Insurance Brokers Insurance Brokers Commercial Vehicle Insurance safeguards business vehicles, including vans, lorries, and specialist equipment, against accidents, theft, and damage. Flexible policies cater to single vehicles or fleets, minimising operational disruptions. Coverage includes liability protection and optional add-ons, ensuring businesses maintain continuity while complying with legal requirements.
Cyber Liability Insurance
Our Cyber Liability Insurance protects businesses from financial losses due to data breaches, cyberattacks, and online threats. Policies cover data recovery, legal defence costs, and customer notification expenses. Tailored solutions help businesses mitigate risks, maintain compliance, and ensure business continuity in an increasingly digital landscape.
Courier/Light Haulage Insurance
Designed for professional couriers and haulage operators, this insurance combines Goods in Transit and Liability coverage with comprehensive motor protection. It safeguards cargo against loss or damage and covers vehicle-related risks, ensuring both business assets and third-party liabilities are protected during deliveries.
Personal Accident Insurance
Ratcliffes Insurance Brokers Insurance Brokers Personal Accident Insurance provides financial security for individuals in case of accidental injury or death. Coverage includes medical expenses, income replacement, and lump-sum payouts for severe injuries. Policies are adaptable to personal or professional needs, offering protection beyond workplace safety measures.
Tipper Mixer Insurance
Specialised insurance for tipper trucks, concrete mixers, and heavy-duty vehicles, covering accidental damage, theft, and breakdowns. Includes liability protection for operators in construction and transport sectors. Policies are designed to reduce downtime and repair costs, supporting uninterrupted business operations.
People
Michael Ratcliffe MBE
CEO
With over 40 years in the insurance industry, Michael Ratcliffe founded Ratcliffes Insurance Brokers Insurance Brokers in 1976 and has led its growth into a leading UK transport insurance broker. His expertise in risk management and commitment to client service drives the company's strategic direction and community-focused ethos.
Questions
What types of insurance does Ratcliffes Insurance Brokers Insurance Brokers offer?
We provide commercial vehicle, courier, media, personal accident, cyber liability, and tipper/mixer insurance tailored to business needs.
How can I get a quote?
Visit our website to request a quote online or contact our team directly via phone or email for personalised assistance.
Are your policies available nationwide?
Yes, we serve clients across the UK from our Cheltenham headquarters.
Do you offer coverage for specialist vehicles?
Yes, including tipper trucks, concrete mixers, and non-standard vehicles with customised insurance solutions.
How do I file a claim?
Access our claims procedure via the 'Claims' section on our website or contact our dedicated claims team directly.
What accreditations do you hold?
We are authorised by the FCA and members of BIBA, RHA, and Logistics UK, ensuring industry-leading standards.
Reviews (1)
Andronk
May 14, 2020
Report
Appalling experience with these guys. I was with them for 6 or 7 years until I needed to make a claim when my van was stolen. After 3 months of arguing, the final payout was HALF the true value of my van. I lost 3 months of work because they wouldn't give me a courtesy van. Eventually I had to borrow money so I could buy a new van and get back to work. Then, after having totally screwed me over with such a pathetic payout, they DOUBLED the cost of my premium! They simply do not care about the lives they're destroying. An absolute nightmare from start to finish.
