Driving Value – A Tailored Motor Fleet Solution for a Frozen Food Wholesaler

Delivering Protection for a Growing Fleet

Century was recently approached to underwrite a Motor Fleet insurance policy for a frozen food wholesaler based in Greater London. The business operates a fleet of 8 commercial vehicles, essential to the day-to-day distribution of perishable goods across the capital and beyond. With a fast-paced operation and a growing client base, the insured required robust, comprehensive insurance that could support their logistical needs and mitigate the risks of operating in a high-traffic urban environment.

Competitive Market, Complex Risk Profile

The broker handling the account had already gone to market but was eager to introduce Century as a potential insurer, recognising the strength of our service, underwriting expertise, and value-added benefits. The client, meanwhile, was seeking a comprehensive Motor Fleet policy that would not only offer strong cover but also accommodate a number of named younger drivers—a known challenge in the commercial fleet space due to the associated risk profile.

Adding to the complexity, the broker was still in the process of completing their market exercise when they approached Century, providing a target premium figure. While we could not meet the target renewal price directly, the broker remained confident in Century’s ability to offer a compelling proposition worth presenting to the client.

Swift, Supportive Underwriting and a Service-First Approach

Century responded with a quote that reflected the true value of our offering—balancing fair, risk-conscious pricing with exceptional service and flexible underwriting.

Our experienced underwriters quickly assessed the fleet’s requirements, including the presence of younger drivers, and structured a solution that maintained comprehensive protection without compromising on risk appetite. The process was marked by open communication and a swift turnaround, enabling the broker to confidently present our terms to the client while still finalising discussions with other providers.

At every stage, Century demonstrated its commitment to supporting broker partners—responding rapidly, addressing queries thoroughly, and crafting a bespoke policy that gave the client confidence.

A Confident Client and a Policy That Delivers

The result was a satisfied policyholder and a successful placement that highlighted Century’s strengths. While the final rate was not the most competitive on price alone, the overall proposition—including responsive service, underwriting flexibility, and a tailored approach—was compelling enough to secure the business.

The insured expressed high satisfaction with the outcome, appreciating the seamless process and the comprehensive nature of the policy arranged for their 8-vehicle fleet. The broker, likewise, reaffirmed their confidence in Century’s ability to add value even in tightly contested market conditions.

This case reinforces our position as a trusted MGA capable of delivering smart, service-led solutions for fleets of all shapes and sizes.

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