Aviva and Q Underwriting have renewed their commercial motor capacity arrangement for a further five years, maintaining the same £200 million gross written premium commitment that underpinned their previous term. The renewal, which took effect on September 30, covers the Q Motor Scheme, providing taxi, taxi fleet, truck and motor trader cover distributed through specialist brokers.
The deal continues an arrangement that Q Underwriting’s own materials describe as more than 20 years old, though the MGA in its current form was assembled from predecessor brands, including TFP Schemes, aQmen Underwriting and Thistle Underwriting, when PIB Group consolidated its underwriting businesses. The 2021 renewal, also worth £200 million over five years, was the deal’s previous iteration.
The renewal arrives as the taxi and private hire vehicle segment draws new entrants. Admiral Business launched its first taxi insurance product in March 2026 through specialist broker Patons Insurance, describing it as a “growing and underserved market.”
Department for Transport data shows England's licensed taxi and private hire vehicle fleet reached 313,000 in 2024, up 8.2% year on year. That growth is attracting capital, but in a market where specialist knowledge and long-term underwriter relationships determine whether a broker can consistently place risks at sustainable terms, a renewed five-year commitment anchors the proposition for the duration.
Rebecca Gambrell, managing director for SME and delegated authorities at Aviva, said Q Underwriting’s specialist expertise gives the insurer access to high-quality risks and that both parties combine their respective strengths on pricing, underwriting strategy and risk selection.
Mike Hudson, managing director at Q Underwriting, said the renewal endorsed a partnership that had delivered for brokers and customers for more than 20 years, and that continued collaboration on underwriting strategy, pricing and risk selection would give broker partners access to a sustainable proposition in an increasingly competitive market.
The renewal sits within a broader expansion of delegated authority across the UK market. MGAs now account for more than 10% of the UK’s £47 billion general insurance market, with the Managing General Agents’ Association (MGAA) forecasting delegated authority’s overall market share will exceed 45% by 2027. Aviva has also been investing in automated referral journeys to increase responsiveness and working with broker partners to simplify delegated authority arrangements. The insurer has said its approach to MGA partnerships is focused on writing business it does not reach directly through the open market.
Q Underwriting is part of PIB Group and writes more than 30 niche commercial lines products across motor, property and package, and casualty and construction.
