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Fleet Insurance is Evolving

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Fleet insurance has always been a balancing act. On one side, brokers need speed, clarity and the ability to place business efficiently. On the other, insurers need the space to properly understand risk, apply expertise and deliver confident underwriting decisions.

That balance has shifted.

Over the last few years, broker trading behaviour has evolved significantly. Straightforward risks, the bread and butter of many SME fleets, are increasingly expected to be placed quickly, digitally and with minimal friction. At the same time, more complex fleets, whether due to size, claims experience or operational nuance, require deeper conversations, flexibility and experienced underwriting input.

Trying to force both through the same route no longer works. That is exactly why we have evolved our fleet proposition to be traded both electronically and regionally.

Why this change was needed

Brokers told us clearly: they do not want a one-size-fits-all trading model. They want choice.

For straightforward fleet risks, the expectation is simple.

✅ Fast access.

✅ Clear pricing.

✅ Immediate decisions.

✅ The ability to quote and bind without delay.

e-Trading delivers exactly that, removing unnecessary friction and giving brokers the control to place business efficiently, when it suits them. But that is only half the story.

More complex risks don’t benefit from being forced through a digital journey.

They need conversation. They need context.

They need underwriters who understand the nuances of the risk and can shape a solution accordingly.

By introducing electronic trading alongside our regional underwriting model, we’re aligning to how brokers actually work, not how systems dictate they should.

What this means in practice

Straightforward business can now move through a streamlined digital route, freeing up

time on both sides. Brokers spend less time chasing quotes. Underwriters spend less time processing standard risks. That capacity is then reinvested where it matters most.

Our underwriters are empowered to focus on the cases that genuinely need their expertise. The more complex fleets. The risks that fall outside standard parameters. The conversations where flexibility, experience and judgement make the difference between a decline and a well-structured solution.

This is not about replacing underwriting. It’s about evolving.

What makes us different

This evolution is not just about technology, it’s about staying true to what differentiates us.

Relationships will always remain at our core. Even with e-Fleet in place, brokers still have direct access to decision-makers when they need support or want to discuss a risk.

Claims service continues to be where our proposition proves its value. Efficient placement is important, but what happens at the point of claim is what clients remember. That is where our focus remains.

And as a 100% intermediated insurer, everything we do is built around supporting brokers, not bypassing them.

The outcome

A more efficient trading experience for straightforward risks.

More meaningful underwriting engagement for complex cases.

And a model that reflects the reality of modern broker trading.