Motor is a surprisingly emotive class of insurance. Most of us have cars and regard ourselves as good drivers, so fleet clients often have strong views on the level of cover they need. Yet claims costs remain high and clients can be surprised by how high they can be - there really are no 'minor knocks' now.

That's why at Pen, we offer long term pricing stability to help clients avoid peaks and troughs in premiums. We achieve this by using a rating tool based on minimum exposure rates, adjusted to cover historic and predicted claims costs

From a standing start in 2011 (trading under our legacy brand, Ink) we have grown steadily and are now writing in excess of £16M GWP. We attribute this to our expertise on the exact use of vehicles, gross vehicle weights of commercial vehicles and exposure to various driver profiles - and this is how we help our broker partners to grow their fleet business too.

Fleet can seem a generic product, so where we can, we add value. For example, we offer EU breakdown cover on vehicles 3.5 ton and under (not available for private hire vehicles/haulage/couriers). We also offer dedicated claims reporting numbers.

We pride ourselves on being easy to do business with, and for fleet risks, we know that means speed of service, so we offer 48-hour turnaround on our exclusive quotes and same-day documentation. Plus, where you can help us understand the detail of the risk, we can offer bespoke pricing. Our policies are non-transferable which means that if your client goes elsewhere the policy won't transfer, providing your clients with an incentive to stay put.

And, with minimal administration fees and half yearly declarations, your clients will find it easy to do business with us too.