Small - 1 to 4 vehicles

A tailored insurance package specifically for Transport Operators with up to 4 vehicles*.


What does it mean?

Benefits for your clients

Differentiated rating

  • Your clients premiums will reflect the performance of the type of vehicle they use and are also based on the work they perform
  • Our pricing is tailored to the size of their business
  • Fair pricing which is based on their actual risk

Torque Data  

  • An online fleet management system that enables your clients to monitor their vehicle fleet performance
  • This includes recording and maintaining vehicle and staff details and crash and incident frequency rates
  • Through better management of risk, your clients will reap the rewards through improved operational efficiency and an improved bottom line.

Because Torque Data:

  • Helps to minimise your clients risk as they  will know more about their driver performance
  • Helps improve cost management by reducing repairs, costs and frequency
  • Provides them with a staff management facility
  • Reports any claims directly to Lumley – making the process much smoother
  • Information gathered enables Lumley to tailor a Fleet Risk Management programme specifically for their business 


  • An all-in-one bundled insurance product which combines all the insurance cover that your clients will need as a Transport Operator
  • A dedicated transport operator insurance package
  • Provides your clients with seamless insurance cover – no gaps

Crash Scene Assistance service   0800 111 108

  • 24/7 crash assistance service
  • For all commercial vehicles 
  • One call takes all the hassle away from your clients and their drivers, takes care of sending the right tow truck at the right time and arranging the clean up to initiating the assessment process
  • The right tow truck for the right vehicle at the right time
  • Help any time of the day or night
  • Road clean-up and vehicle salvage It gets your client back on the road faster
  • Provides support for the driver involved

Subsidised in-vehicle camera

  • A unique safety awareness and management tool
  • Reduces collisions caused by unsafe driving behaviour
  • Reduces fuel expenses caused by aggressive driving
  • Reduces maintenance costs (tyres/brakes etc)
  • Provides access to unbiased evidence to determine fault and settle claims
  • Lower insurance costs due to reduced claims and direct bottom line savings to your client’s business

Self–Assessment Fleet Risk Management  

  • Complete a Self Assessment Fleet Risk Management form and the outcome of the assessment could mean your clients are provided with a toolkit of resources for use in their business
  • Written resources will also be available once the self-assessment has been completed
  • Torque Fleet Risk Management support and advice can be offered if needed
  • A free service which provides your clients with access to a suite of risk management resources
  • Improves processes and organisational efficiency for their business
  • Gives your clients improved knowledge of these aspects of their business

Premium funding

  • A loan facility so your clients can spread the cost of their insurance premium over convenient instalments
  • Premiums can be spread over monthly, quarterly or half-yearly instalments
  • Interest is usually tax deductible
  • Useful as an additional line of credit
  • There is a single monthly direct debit payment for all policies funded
  • No 'bricks and mortar' security is required

*Vehicles = powered units involved in cartage

For more information contact the Commercial Motor team on 0800 561 999 or email