Your One-Stop Solution For Commercial Vehicle Insurance
Taking Care Of All Your Risk Management Needs.
Started in the 1960s as an insurance agency, Tan Insurance Brokers is led by a team of extremely experienced and qualified risk managers and advisors and has partnered numerous local and global enterprises for over 4 decades.
At TIB, you always come first. We’ve built our reputation on decades of putting customers first and our experts are always on hand to deliver personalised service and support.
Types Of Commercial Vehicle Insurance We Provide
Private Car
Insurance
Structured advisory for individual drivers and families.
We assist with:
◉ Coverage structuring (Comprehensive / TPFT / TPO)
◉ Named driver arrangements and excess positioning
◉ NCD strategy considerations
◉ Renewal review and insurer comparison
◉ Claims guidance and appeal support where appropriate
Suitable for individuals seeking proper renewal oversight rather than automatic policy issuance.
Supercar & High-Performance Vehicle Insurance
Specialised underwriting support for high-value and performance vehicles.
We advise on:
◉ Agreed value vs market value considerations
◉ Driver eligibility structuring
◉ Storage and usage disclosure
◉ Renewal stability following high-value claims
◉ Discreet placement discussions with experienced insurers
Designed for owners who require underwriting-aware placement rather than retail motor policies.
Commercial Vehicle
Insurance
Operational motor insurance for businesses.
We support companies operating:
◉ Vans and pick-ups
Lorries (3–5 ton and above)
◉ Tippers and prime movers
◉ Special purpose vehicles
Our advisory includes driver declaration structuring, claims frequency monitoring, and renewal negotiation support to reduce volatility.
Prime Movers and
Tippers Insurance
Structured placement for heavy commercial vehicles with higher underwriting sensitivity.
We support operators of:
◉ Prime movers (including up to 100-ton configurations)
◉ Tippers / tipper trucks
◉ Construction haulage vehicles
◉ Freight and logistics heavy-duty units
Our advisory focuses on:
❂ Underwriting eligibility assessment and structured risk presentation
❂ Excess structuring relative to accident severity exposure
❂ Claims performance monitoring for renewal stability
❂ Loss threshold management and renewal positioning
❂ Scheme-based or rate-stability arrangements (where eligibility criteria are met)
Heavy vehicle insurance is driven by accident severity trends, operational exposure and loss performance. Early renewal engagement and disciplined disclosure are essential to maintaining capacity and stable terms.
Fleet
Insurance
Portfolio-based motor insurance management for growing or established businesses.
We assist with:
◉ Loss ratio review and trend analysis
◉ Excess restructuring evaluation
◉ Pre-renewal strategy engagement
◉ Portfolio-wide insurer discussion
◉ Premium stabilisation planning
Fleet insurance should be managed as a portfolio, not as individual vehicle policies.
Machinery All Risk
Insurance
Protection for contractors, engineering firms, and businesses operating heavy equipment.
Machinery All Risk insurance typically covers sudden and unforeseen physical loss or damage to insured plant and machinery, whether at work, at rest, or during transit (subject to policy terms).
We advise on:
◉ Scope of machinery and plant coverage
◉ Operational exposure review
◉ Contractual insurance requirements
◉ Excess positioning and claims procedures
Suitable for construction, infrastructure, and project-based operations.
Our Trusted Partners
