Business Details
50 Years
experience
Your Trusted Insurance Partner Since 1976
Established in 1976, Ratcliffes 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, tipper mixer, personal accident, and cyber liability insurance, with a focus on delivering comprehensive coverage that meets the unique needs of each client. With nearly five decades of experience, we combine deep industry knowledge with a customer-centric approach, ensuring businesses and individuals receive expert guidance from policy selection to claims handling.Our team of seasoned professionals maintains strong relationships with leading insurers, enabling us to offer competitive pricing and innovative schemes. Recognised by BIBA, the FCA, and Logistics UK, we pride ourselves on long-term client relationships and a commitment to community engagement. As a family-run business, we prioritise transparency, responsiveness, and the peace of mind that comes from knowing your risks are managed by specialists who understand your industry.
Services
Commercial Vehicle Insurance
Courier Insurance
Media Cover
Tipper Mixer Insurance
Personal Accident Insurance
Cyber Liability Insurance
Details
- Year established: 1976
Highlights and features
- We offer 45+ years of specialist insurance brokerage experience.
- Our policies are tailored to meet unique transport and business needs.
- We provide comprehensive coverage across commercial vehicle, cyber, and personal accident insurance.
- Our customer-centric approach ensures transparent communication and responsive service.
- We maintain strong partnerships with leading insurers for competitive pricing.
Associations and certifications
- British Insurance Brokers Association (BIBA)
- Financial Conduct Authority (FCA)
- Logistics UK
- AVIVA 110 Club
- AXA Premier Partners
What people say
Trusted, comprehensive insurance solutions
Saved the day with urgent coverage
40-year partnership
Customer-centric approach
Expert guidance
Services
Commercial Vehicle Insurance
Ratcliffes 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 tailored options, businesses gain peace of mind knowing their assets are safeguarded by a broker with decades of transport industry expertise.
Cyber Liability Insurance
Our Cyber Liability Insurance shields businesses from financial losses due to cyber attacks, data breaches, and online threats. Coverage includes data recovery, legal defence costs, and customer compensation. Designed for UK businesses, this policy ensures continuity by addressing evolving digital risks through customisable plans and rapid response support.
Personal Accident Insurance
Ratcliffes Personal Accident Insurance provides financial security for medical expenses, income loss, and lump-sum payouts following accidental injury or death. Policies cover both work and non-work-related incidents, offering tailored protection for individuals and families against unforeseen life events with flexible terms.
Courier Insurance
Specialist courier insurance includes Goods in Transit, Public Liability, and Comprehensive Motor coverage for delivery professionals. Policies protect against cargo loss, vehicle damage, and third-party claims, ensuring couriers and light haulage operators maintain operational continuity with tailored protection for urban and long-distance logistics.
Media Industry Insurance
Designed for photographers, videographers, and broadcasters, this insurance covers equipment damage, theft, and liability claims. Flexible policies address the unique risks of media production, including on-location work, ensuring professionals maintain uninterrupted operations while safeguarding valuable gear and business interests.
People
Michael Ratcliffe MBE
CEO
Founder of Ratcliffes Insurance Brokers, Michael has over 45 years of industry experience. Recognised with an MBE for services to insurance, he leads with a commitment to client-focused solutions and community engagement.
Questions
What types of insurance does Ratcliffes offer?
We specialise in commercial vehicle, courier, media, tipper mixer, personal accident, and cyber liability insurance, with tailored solutions for UK businesses and individuals.
Can I get insurance for a specialist vehicle?
Yes, we provide coverage for non-standard vehicles including catering vans, mobile bars, and modified equipment, with options for high-risk drivers.
How do I make a claim?
Visit our website's claims section for detailed procedures or contact our team directly for immediate assistance with your claim submission.
Are you regulated by industry authorities?
We are authorised and regulated by the Financial Conduct Authority (FCA) and members of BIBA, Logistics UK, and other leading industry bodies.
Do you offer coverage for UK-based businesses only?
While headquartered in Cheltenham, we provide insurance solutions for businesses and individuals across the UK and support international clients through partnerships.
What sets Ratcliffes apart from other brokers?
Our 45+ years of specialist experience, tailored policies, and commitment to personal service ensure competitive pricing and long-term client relationships built on trust.
