Business Details
50 Years
experience
Trusted Insurance Brokers in Cheltenham
Established in 1976, we are a family-run insurance brokerage with decades of expertise in delivering tailored insurance solutions across the UK. Our mission centres on providing comprehensive coverage through a customer-first approach, ensuring businesses and individuals receive protection aligned with their unique needs. With a team of seasoned professionals, we combine deep industry knowledge with strong insurer partnerships to offer competitive pricing and exceptional service. Our accreditations with leading organisations like BIBA and the Financial Conduct Authority underscore our commitment to quality and reliability. From commercial vehicle insurance to cyber liability coverage, we prioritise risk management strategies that safeguard our clients' interests.Our long-standing relationships with clients and brokers alike reflect our dedication to transparency, responsiveness, and lasting partnerships. As an award-winning firm, we continually adapt to evolving market challenges while maintaining the personal service that has defined our success. We believe insurance should provide peace of mind, not complexity, and strive to make the process seamless from policy selection to claims resolution. This philosophy has earned us recognition as a trusted advisor by over 300 UK brokers and countless businesses nationwide.
Services
Commercial Vehicle Insurance
Courier Insurance
Media Equipment Cover
Tipper Mixer Insurance
Personal Accident Protection
Cyber Liability Insurance
Details
- Year established: 1976
Highlights and features
- We offer 48 years of specialist transport insurance expertise
- Our FCA-authorised status ensures regulatory compliance and trust
- We provide bespoke coverage through partnerships with major insurers
- Our claims process prioritises swift, hassle-free resolutions
- We maintain 24/7 accessibility for urgent client needs
Associations and certifications
- Financial Conduct Authority
- British Insurance Brokers Association
- Road Haulage Association
- Logistics UK
What people say
Trusted partner for 40 years
Quick response in urgent situations
Expert guidance throughout process
Competitive pricing with comprehensive cover
Excellent claims handling
Services
Commercial Vehicle Insurance
Our Commercial Vehicle Insurance provides essential protection for business vehicles including vans, lorries, and specialized equipment. This coverage safeguards against accidents, theft, and damage while offering flexible policy options for single vehicles or entire fleets. With comprehensive motor insurance solutions, businesses can maintain operational continuity knowing their transport assets are protected.
Cyber Liability Insurance
Cyber Liability Insurance protects businesses against financial losses from data breaches and cyber attacks. Our policies cover data recovery costs, customer notifications, legal defence expenses, and business interruption losses. This essential coverage helps modern businesses maintain continuity while managing digital risks in an increasingly connected world.
Courier Insurance
Specialist courier insurance provides dual protection for goods in transit and vehicle coverage. Our policies include public liability insurance, accidental damage cover, and theft protection for delivery vehicles. This comprehensive approach ensures both cargo and transport assets receive appropriate safeguards tailored to the unique demands of courier operations.
Personal Accident Insurance
Personal Accident Insurance offers financial security against accidental injuries or death. Coverage includes medical expenses, income replacement, and lump sum payments for severe injuries. This protection extends to both work-related and personal activities, providing comprehensive safety net for individuals and their families.
Media Industry Insurance
Media Industry Insurance protects photography, videography, and broadcasting equipment against damage, theft, and loss. Our policies include liability coverage for professional activities and flexible options to suit different production requirements. This specialist insurance ensures media professionals can work with confidence knowing their valuable equipment is protected.
People
Michael Ratcliffe
CEO
With over 40 years in the insurance industry, Michael founded Ratcliffes in 1976 and has led its growth into one of the UK's leading transport insurance specialists. His MBE award recognises outstanding service to the logistics sector.
Questions
What insurance products do you specialise in?
We specialise in commercial vehicle insurance, courier cover, media equipment protection, tipper mixer policies, personal accident insurance, and cyber liability solutions.
How can I get a quote?
Request a quote through our website or contact our brokers directly for tailored insurance solutions matching your specific requirements.
Do you cover non-standard vehicles?
Yes, we provide insurance for specialist vehicles including catering vans, mobile bars, and modified vehicles with unique equipment configurations.
Are you regulated by industry authorities?
We are authorised and regulated by the Financial Conduct Authority and maintain memberships with BIBA, RHA, and Logistics UK.
How do you handle insurance claims?
Our claims process prioritises swift resolution with dedicated support throughout the procedure, ensuring minimal disruption to your business operations.
Can international companies access your services?
Yes, we assist international businesses requiring UK insurance coverage, as demonstrated by our successful support for US clients with short-notice requirements.
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.
