Business Details
24 Years
experience
Emergency
services
Your Trusted Commercial Motor Insurance Partner in Chelmsford
Established in 2002, Direct Commercial Limited has built a reputation as a leading specialist in commercial motor insurance. Our underwriting expertise, combined with innovative technology solutions like Camatics and Connect, enables brokers to deliver tailored insurance products that reduce claims and premiums. With a dedicated team of underwriters and business development managers, we focus on fleet insurance for haulage, couriers, and waste sector clients, offering flexible driving warranties and 24/7 claims support. Our award-winning approach prioritises personal service, pre-agreed parameters for cash flow planning, and specialist coverage for hazardous goods carriage through our Wasteline product.Backed by Great Lakes Insurance UK Limited, we provide extended third-party limits and unique benefits like excess waivers for prompt incident reporting. Our Treble 20 three-year stability plan rewards clients with up to 20% annual premium reductions based on fleet performance, while Carraig Premium Finance offers flexible payment options. As an FCA-authorised firm with a 17-year heritage, we maintain strong relationships with brokers through regional BDMs and a commitment to continuous product development. Our operations span from Chelmsford headquarters and London offices, serving clients nationwide with transparent pricing structures and specialist risk management solutions.
Services
Commercial Motor Insurance
Fleet Insurance
Hazardous Goods Insurance
Premium Finance
24/7 Claims Service
Details
- Year established: 2002
Highlights and features
- 17 years' specialist experience in commercial motor underwriting
- Award-winning 24/7 claims service with excess waiver incentives
- Flexible driving warranties including ANY licenced driver options
- Three-year premium stability plans with up to 20% savings
- Specialist hazardous goods coverage with extended liability limits
Associations and certifications
- Financial Conduct Authority
What people say
Award-winning claims service
Innovative technology solutions
Specialist hazardous goods coverage
Flexible payment options
Experienced underwriting team
Services
Commercial Motor Insurance
Specialist commercial motor insurance for fleet operators with flexible driving warranties including ANY licenced driver options. Our policies accommodate vehicles up to 44 tonnes with comprehensive coverage for trailers, foreign use, and tipping risks. Backed by Great Lakes Insurance UK Limited, we provide extended third-party property limits up to 20 million for commercial vehicles.
Hazardous Goods Insurance
Tailored insurance for carriers of hazardous goods with automatic inclusion of spillage, leakage, and cross-liabilities coverage. Our Wasteline product offers specialist protection for vehicles used as tools of trade with attached/detached trailer coverage and 24/7 support from ADR specialists.
24/7 Claims Service
Award-winning 24/7 claims line with dedicated specialists available for all incident types. Policyholders benefit from excess waivers of up to 1,000 when reporting within 30 minutes and video evidence submission through our online portal to fight fraud and mitigate costs.
Premium Finance
Flexible financing options through Carraig Premium Finance with 10-month payment terms and 6% fixed interest. No credit checks required, with deposits due within 14 days and monthly payments collected via direct debit starting one month after policy inception.
Three-Year Stability Plan
Premium stability plan offering up to 20% annual reductions linked to fleet performance. Pre-agreed adjustment scales allow effective cash flow forecasting while protecting clients from market pressures and providing compound savings over three consecutive policy years.
Questions
What commercial motor insurance products do you offer?
We provide fleet insurance, hazardous goods coverage (Wasteline), 24/7 claims service, premium finance options, and three-year stability plans with potential 20% savings.
Do you cover vehicles carrying hazardous goods?
Yes, our Wasteline product specifically covers carriage of ADR categorised goods with automatic inclusion of spillage, leakage, and extended liability limits up to £5 million.
What payment options are available?
We offer Carraig Premium Finance with 10-month terms, 6% fixed interest, and no credit checks. Payments are collected via direct debit with initial deposits due within 14 days.
How does your 24/7 claims service work?
Our award-winning claims team is available 24/7 with excess waivers of up to £1,000 for reports within 30 minutes. Policyholders can submit video evidence through our online portal.
Can I get multi-year premium stability?
Yes, our Treble 20 plan offers three-year stability with pre-agreed adjustment scales linked to fleet performance, potentially reducing premiums by up to 20% annually.
Do you work with insurance brokers?
We actively engage FCA-registered brokers with dedicated business development managers. Our portal enables brokers to manage policies, add vehicles, and access documents 24/7.
