KGM Motor Insurance is regarded as one of the UK’s leading specialist Motor Insurers
with over 60 years experience in the Motor Insurance industry.


+44 (0)20 8530 7351


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About Motor

KGM Motor Insurance was formed in 1957 and became one of the UK’s leading specialist Insurers with a team of knowledgeable and experienced Underwriters providing a wide variety of Motor Insurance products to suit your needs. In 2017 KGM Motor Insurance was sold and became KGM Underwriting Services Ltd and continues to provide the same level of great service, support, technical expertise and products to its Broker partners.


Classic Car

Owning a classic car is often a lifelong ambition for the lucky owner. These vehicles are the pride and joy of enthusiasts who will often want to use them at outdoor exhibition events and shows such as rallies and summer fairs.

Owners therefore need the peace of mind that their policy covers these types of activities and is provided by an insurer with many years of experience at managing repair work and sourcing parts.

KGM was one of the first, if not the first, to introduce classic car insurance and during this time we have accumulated a wealth of specialist knowledge and flexibility of providing bespoke quotations tailored to the individual requirements of your customers.

Key features

– Agreed value
– Discount for Owners’ Club members
– Multi vehicle policies available (discounts increase the more vehicles on cover)
– Show cover available
– Wedding Hire cover available
– Up to 4 named drivers
– Windscreen cover (limited to £500)
– Left-hand drive vehicles accepted
– European cover

Classic Car Policy Wording


Specialist Vehicle

Increasingly, motorists are purchasing specialist or non-standard vehicles for various leisure interests and pursuits. We fully cater for this market by offering a wide range of policies to cover vehicles such as American classics, custom, off-road (4×4), military, agricultural, vintage and motorhomes amongst others.

KGM is one of the UK’s leading specialist motor insurers with over 60 years of experience and knowledge in providing cover to this market sector. We provide a wealth of unique specialist motor products to our brokers, and pride ourselves on our ability to tailor products to suit the needs of this market.

Key Features

– Personal belongings £300
– Child Seat full replacement
– Cover for spare parts/ Accessories £1000
– Audio / Sat Nav cover unlimited if fitted by manufacturer
– Onward travel / Hotel Expense if claim occurred £300
– Option to nominate repairer of choice or use our approved network
– Agreed value
– Discounts for Owners’ Club members
– Multi vehicle policies available
– Show cover available
– Wedding Hire cover available
– Windscreen cover (limited to £500)
– European cover

Specialist Vehicle Policy Wording


2 Infinity

KGM has developed an innovative insurance product that offers added convenience for the motorist who is also an enthusiast.

2Infinity is designed for the true motor enthusiast/collector enabling them to insure all their motor vehicles on one policy, removing any complication associated with multiple documents, certificates and renewals.

2Infinity is specifically tailored to suit owners of at least one Classic/Specialist vehicle within a collection which might consist of Classic/Modern Cars, Motorcycles and Commercial Vehicles.

It is not appropriate for “Family Fleets” consisting solely of modern vehicles or where there are drivers under the age of 25.

Key features

– One set of policy documentation
– One renewal date
– One helpline number
– Most vehicle types considered
– No claims bonus retained by each individual vehicle

The 2 Infinity Product:

As with all KGM products 2 Infinity has been developed to deliver the flexibility that customers want. The policy can cover any combination of vehicles from private and classic cars to motorcycles and commercial vehicles.

All vehicles do not have to be insured under the policy from inception and can be included pro rata during the first year of the policy’s life. However, we can provide a quotation for all vehicles at inception.

Our policy will even accommodate different levels of cover and driver options for each vehicle and new vehicles can be added at any time.

2Infinity Policy Wording


Private Car

KGM has provided specialist cover to the market for over 60 years and possess the knowledge and expertise to provide accurate premiums tailored to the levels of risk involved.

Our accumulated knowledge and experience allows us to provide competitively priced, versatile Private Car policies suited to the needs of the current market. Our policies are aimed at mature drivers with a proven insurance history, although we are also able to adapt our standard products to meet the specific attributes of your customers.

Key features

– Protected no claims bonus (for 3+ years NCD)
– Unlimited windscreen cover (if our Approved replacement service is used)
– Courtesy vehicle in the event of an accident (if our Approved repairer is used)
– Guaranteed repairs for 3 years
– Cover for replacement locks/keys
– Personal effects and medical expenses cover
– Personal accident cover

Private Car Policy Wording


Classic Motorcycle

Classic motorcycles are the pride and joy of their owners, many of whom like to parade and demonstrate them at festivals and other outdoor events.

KGM’s classic motorcycle package has been specifically created to give owners the peace of mind that their prized possession is covered for every eventuality. Our product is tailored to suit the riders’ individual profile such as experience, lifestyle and security.

Key features

– Agreed value (subject to valid photographs)
– Three limited mileage bandings
– Discounts for Owners’ Club members
– Competitive excesses
– Multi-vehicle risks also accepted

Classic Motorcycle Policy Wording



KGM have many years experience in providing motorcycle insurance and have developed extensive expertise in this market.

With an experienced and dedicated motorcycle team, KGM understand the needs of both motorcyclists and our brokers and the issues which affect them both. We believe we have earned the respect of specialist motorcycle brokers and are now considered a credible and accommodating insurer.

We cover a wide variety of motorcycle risks, where flexibility is the key differentiator in our offering. This is achieved by providing significant volumes of bespoke quotations as part of day to day normal working practice.

Our standard motorcycle product provides a wide acceptance criteria for all covers and is strongly placed to accept non-comprehensive risks that are able to demonstrate a level of no claim bonus.

Key features

– Multi-vehicle policies
– Protected no claims bonus (for 3+ years NCD)
– Competitive excesses
– Discounts for length of ownership, usage and Thatcham security
– European cover

Motorcycle Policy Wording



KGM have been providing bespoke fleet insurance for over 10 years and in this time we have accumulated extensive knowledge and expertise in this market sector.

We understand that commercial customers need flexible solutions and the assurance of long-term support. Our fleet team are experts in negotiating complex commercial policies which can also involve multiple vehicle classes and mixed cover.

We provide competitive premiums for all types and sizes of enterprise from small private businesses to large corporate and public sector organisations.

Key features

– Direct access to Underwriters
– Updating of the MID undertaken by Underwriters on all cases – adjustments to be submitted as and when
– No lengthy proposal forms
– Fast turnaround of quotations and documentation
– Ability to cover minibuses up to 9 seats and/or CV’s with a GVW of over 7.5T to 18T as part of a larger schedule

Fleet Policy Wording


Public & Private Hire

KGM provides this niche sector with a specialised product which is tailored to meet the unique requirements of taxi drivers.

We have the flexibility to adapt to the ever changing needs and circumstances experienced in this particular market.

We have provided cover in this market sector since 2001 and we continue to grow and expand into new locations. During this time we have developed a wealth of experience and market knowledge which continues to help us strengthen our product offering.

Key features

– Taxi meter cover
– Protected no claims bonus available
– Unlimited windscreen cover (if our Approved replacement service is used)
– Introductory discount for proven private car bonus
– Spouse cover (subject to approval of licensing authority)

Public & Private Hire Policy Wording


Commercial Vehicle

KGM have provided cover in this specialist market sector for many years and have the experience and knowledge required to provide a competitive product tailored to the needs of your customers.

Our established Commercial Vehicle product mainly focuses on the skilled tradesman who works in their local area, and uses a vehicle with a maximum GVW of 3.5 tonnes. Discounts are available for certain skilled occupations and we can also offer quotations for multi-vehicle risks. Our product is available on all the major broker software systems which allows for full electronic trading.

Key features

– Protected no claims bonus available
– Unlimited windscreen cover (if our Approved replacement service is used)
– No radius limits
– Guaranteed repairs for 3 years under Comprehensive policies
– Discounts for limited mileage policies

Commercial Vehicle Policy Wording


Motor Trade

Motor Trade Insurance is an area where KGM work with a limited panel of partner Brokers.

Should you wish to be considered as a partner broker for this product then please contact us on 020 8530 7351 or speak to your Agency Manager.

To be able to trade legally, motor traders need to have insurance cover in place when driving their customers’ vehicles on the road. Our bespoke motor trade packages provide road risks protection for businesses based from home, trade premises or as a mobile operator and can also include cover for their own vehicles too. Policyholders will benefit from a swift, responsive 24-hour helpline to minimise the impact any incidents will have on their business.

Key features

– Own vehicles specified on policy regardless of cover
– Demonstration cover available
– Special discounts for occupations involving servicing or repairs
– Cover for spouse and/or named drivers available

Motor Trade Policy Wording


Meet the Team


Specialist Vehicle Underwriting
T: +44 (0)20 8530 1833
Private Car Underwriting
T: +44 (0)20 8530 1811
Classic/Modern Motor Cycles Underwriting
T: +44 (0)20 8530 1825
Public & Private Hire Underwriting
T: +44 (0)20 8530 1822
Commercial Vehicle Underwriting
T: +44 (0)20 8530 1811
Fleet Underwriting
T: +44 (0)20 8530 1811
Motor Trade Underwriting
T: +44 (0)20 8530 1822
Claims Enquiries
T: +44 (0)333 5555 909
General Enquiries
T: +44 (0)20 8530 7351
Neil Manvell
Head of Motor
T: +44 (0)20 8530 9110
Richard Bauckham
Specialist Underwriter
T: +44 (0)20 8530 9118
Paul Sharpe
Motor Underwriter
T: +44 (0)20 8530 1856
Ben Tilson
Motor Underwriter
T: +44 (0)20 8530 9121
Joff Percy
Head of Motor Claims
T: +44 (0)20 8530 1838