When Speed Matters – Brokers Turn to Century

In the world of motor fleet insurance, timing can be everything. This case study highlights how Century’s specialist knowledge and fast, responsive underwriting helped a broker secure a courier fleet risk with just two hours to spare. With the incumbent insurer stepping away from courier business, and alternative markets quoting unworkable premiums, the broker needed a solution – and fast.

Last-Minute Courier Risk

The end client operates a courier business based in Essex. The business had maintained a clean claims record and had previously been insured through a broker who placed cover with an insurer that has since exited the courier fleet market. With their renewal day fast approaching and no offer on the table, the client needed an alternative solution to ensure continuity of cover and avoid operational disruption.

Two Hours to Place Cover – A Race Against Time

At 3pm on the day their policy was due to expire, a new (attacking) broker approached Century with an urgent request. They were looking to secure the business from the incumbent broker, but time was against them.

The incumbent insurer had withdrawn entirely from courier risks and had not offered renewal. Meanwhile, the incumbent broker had returned with a significantly increased premium from other markets – a figure the client was unwilling to accept. The attacking broker had already explored alternative providers, but all quotes received had been prohibitively high. With just two hours to go before expiry, they needed a specialist solution – and they needed it fast.

Courier Fleet Expertise, Delivered at Pace

Despite the time pressure, Century quickly assessed the risk and recognised its merits. A multi-vehicle courier operation, a clean claims record, and no adverse history made this a risk we were confident to quote on.

We worked swiftly with the broker, issuing terms within two hours of first contact. The rate we provided was competitive and tailored to the risk – and crucially, the client was happy with both the terms and the premium. The broker was able to place the cover before the cut-off, ensuring no gap in insurance and no impact to the client’s operations.

Client Covered, Broker Backed, Risk Secured

The outcome was a success for all parties involved – the broker secured the business, the client received appropriate cover without delay, and Century demonstrated exactly why brokers come to us when speed and specialism matter.

• Policy placed within 2 hours of enquiry – on day of expiry
• Client avoided a lapse in cover or operational downtime
• Quote accepted immediately by the client
• Broker successfully won the business from the incumbent
• Century demonstrated both speed and specialism, earning praise from the broker for responsiveness under pressure

This case is a clear example of Century’s ability to combine deep sector knowledge with genuine agility – supporting brokers and delivering solutions where others can’t or won’t.