Commercial motor insurance covers UK fleets and business vehicles for own damage and third‑party liabilities, and is heavily influenced by claims inflation, credit hire dynamics, and evolving road safety expectations. Insurers and brokers are deploying telematics, driver coaching, and advanced fleet analytics to reduce frequency and severity, while also navigating the transition toward electric vehicles, changing use patterns such as last‑mile delivery, and regulatory scrutiny of pricing, fair value, and claims handling practices.
