Business Details
24 Years
experience
Emergency
services
Trusted Commercial Motor Insurance Solutions
Direct Commercial is a multi-award-winning commercial motor underwriter with over two decades of expertise in the insurance sector. Established in 2002, we specialise in providing tailored motor fleet insurance solutions for businesses across the UK, including haulage, couriers, and waste sector clients. Our innovative approach combines advanced technology with traditional underwriting principles to deliver flexible policies that meet diverse client needs. We offer specialist products such as Wasteline for hazardous goods carriage and Camatics for claims reduction through vehicle CCTV integration. Backed by FCA authorisation and partnerships with leading insurers like Great Lakes Insurance UK Limited, we prioritise transparency, client-centric service, and sustainable risk management.Our dedicated team of underwriters and business development managers operates from offices in London and Chelmsford, providing 24/7 claims support and bespoke financing options via Carraig Premium Finance. With a proven track record of market recognition, including ranking 16th in Insurance Post's Top 80 MGAs of 2025, we remain committed to driving down claims and premiums while maintaining industry-leading service standards.
Services
Commercial Motor Insurance
Fleet Insurance
Specialist Products
Premium Finance
24/7 Claims Support
Details
- Year established: 2002
Highlights and features
- 20+ years of specialist commercial motor underwriting experience
- FCA-authorised with robust regulatory compliance standards
- 24/7 specialist claims line for urgent incident support
- Flexible policies accommodating hazardous goods and ADR requirements
- Integrated financing options through Carraig Premium Finance
Associations and certifications
- Financial Conduct Authority
Services
Commercial Fleet Insurance
Specialist motor fleet insurance for businesses with multiple vehicles, offering flexible driver warranties, trailer cover, and tipping risk protection. Our policies accommodate mild hazardous goods exposure and provide annual green cards for EU coverage. Underwritten by experienced professionals in London, this solution suits haulage and courier operations seeking comprehensive protection.
Wasteline Policy
Tailored coverage for hazardous materials transporters, including automatic spillage/leakage protection, extended third-party limits up to 20m, and 24/7 specialist claims support. Designed for businesses with up to 100% ADR goods turnover, featuring DGSA experts and corporate manslaughter coverage at insurer discretion.
Camatics System
Innovative CCTV integration solution allowing policyholders to submit existing vehicle footage for claims processing. Provides excess waivers for rapid reporting and fraud prevention through video evidence. Requires camera validation but eliminates mandatory equipment installation, reducing claims costs by up to 1000 per incident.
Treble 20 Plan
Three-year pricing plan linking premium adjustments to fleet loss ratios, offering up to 20% annual reductions. Prevents market pressure penalties while enabling cash flow forecasting through transparent pre-agreed parameters. Combines fixed pricing with performance-based benefits for long-term cost management.
Carraig Premium Finance
Flexible 10-month payment plans with 6% fixed interest for DCL policyholders, including camera equipment financing. Features no credit checks, direct debit payments, and override options for brokers. Transfers credit risk upon deposit receipt and maintains client-specific agreements without automatic renewal.
People
Phil Cunningham
Chief Executive Officer
With a family heritage in underwriting, Phil leads Direct Commercial's strategic direction while maintaining close ties to the company's core commercial motor insurance expertise developed over two decades.
Angela Thomason
Head Business Development Manager
Overseeing broker relations, Angela manages DCL's regional business development team with extensive industry experience guiding partnerships and market expansion strategies across the UK insurance sector.
Martin Kershaw
Business Development Manager
Supporting broker networks across designated regions, Martin leverages his broking background to facilitate placements and provide specialist guidance on DCL's commercial motor insurance solutions.
Lisa Price-Carson
Business Development Manager
Covering specific UK territories, Lisa works directly with brokers to implement DCL's underwriting strategies while ensuring alignment with the company's risk management objectives and client service standards.
Questions
What commercial motor insurance products do you offer?
We provide tailored fleet policies, Wasteline for hazardous goods, Camatics for CCTV-integrated claims reduction, and HIO for single-vehicle coverage with flexible terms.
How does your 24/7 claims service work?
Our specialist claims team offers immediate support for incidents, including third-party intervention, fraud prevention, and excess waivers for timely reporting.
Can I finance my insurance premiums?
Yes, through Carraig Premium Finance – we offer 10-month payment plans with 6% fixed interest and no setup fees for all our products.
Do you cover vehicles carrying hazardous goods?
Our Wasteline policy specifically covers ADR categorised goods with extended protections including spillage, leakage, and corporate manslaughter coverage.
How can I reduce my insurance premiums?
Participate in our Treble 20 three-year stability plan offering up to 20% annual premium reductions based on fleet performance and claims history.
Reviews (2)
TheJyates
Dec 23, 2019
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AVOID AT ALL COSTS! DCL Commercial provided insurance for our commercial fleet and refer to the small print in order to alleviate themselves of respoibsility to get out of a cliam. DO not be fooled by their cheap prices, the do not pay out and have many hidden clauses within their insurance which they use to wriggle out of a claim. Their communication has been terrible and responses unacceptable.
Save youself the hassle and insure with a known insurer that will handle your claims professionally, it is unfortunate that you only learn the nature of an insurer in the event of a claim. Do you research and go with a known brand.
Save youself the hassle and insure with a known insurer that will handle your claims professionally, it is unfortunate that you only learn the nature of an insurer in the event of a claim. Do you research and go with a known brand.
Saher Maze
Nov 25, 2019
Report
A bunch of layers specially Kellyanne dennet Alistair dealing with mr Alistair and the last day that everything was going to finish and tried call them saying he left for 3 weeks and then kelly picked up saying send all the paper back to her email everything was sent out to her email and now everything is upside down huh hes saying something else and shes saying something else
