Month: February 2026

Let’s be honest: insurance doesn’t always get the best rap. 

For many, it conjures up images of confusing jargon, endless paperwork and faceless corporations. It’s often seen as a necessary evil – something you have to deal with, rather than something you want to engage with. But we believe it doesn’t have to be that way. 

At QMT Commercial, we’ve been in the business long enough to know that insurance is about people. It’s about protecting livelihoods, securing futures and offering peace of mind when life throws the unexpected your way. And yet, the industry hasn’t always reflected that human side. It’s time for a change. 

Making insurance more human 

Financial services – especially insurance – need a glow-up. We’re talking less stuffy, more friendly. Less corporate speak, more real talk.  

We want to strip away the complexity and bring clarity. We want our clients to feel confident, informed and supported – not overwhelmed or out of their depth. That means being approachable, transparent and personal in everything we do. 

Say hello to QMT Commercial Insurance Brokers 

As part of this transformation, we’re excited to announce our rebrand: QMT Commercial is fully evolving into QMT Commercial (Insurance Brokers) – a name already familiar to many through our Ashford branch. 

This isn’t just a name change. It’s a reflection of our renewed commitment to putting our customers at the heart of everything we do. Across our Ashford branch and Canterbury Head Office, we’re embracing a fresh look, a clearer voice and a set of values that truly represent who we are – and who we serve. 

Same expertise, same service – just sharper 

We know change can be unsettling. But rest assured, while our branding might be getting a facelift, our dedication to delivering exceptional customer service remains rock solid. 

Our team brings decades of insurance expertise to the table and that’s not going anywhere. We’re still the same trusted advisors you’ve relied on – just with a sharper, more modern edge. 

What’s next? 

Over the coming weeks, you’ll start to see our new identity roll out across our website, offices and communications. Expect a more intuitive experience, clearer information and a team that’s more accessible than ever. 

We’re proud of where we’ve come from – and even more excited about where we’re headed. 

Here’s to a new chapter in commercial insurance. One that’s built on trust, transparency and a whole lot more heart. 

Choosing the right insurance broker can feel overwhelming. With so many providers promising the “best deal” or “tailored cover,” it’s hard to know who genuinely has your best interests at heart. The truth is, the right broker can save you time, money and stress.

At QMT Commercial, we speak to thousands of businesses and individuals every year, so we know what separates a great broker from an average one. If you’re reviewing your insurance or thinking about switching providers, here’s what to look for.

1. Look for a broker who understands your industry

Insurance isn’t one‑size‑fits‑all. A broker who specialises in your sector will better understand the risks you face and the cover you actually need.

Why this matters:

• A commercial business has very different needs from a driving instructor. 
• Fleet operators require specialist support. 
• Motor traders need cover that adapts to changing stock and road risks. 

A knowledgeable broker won’t just sell you a policy – they’ll help you avoid gaps in cover that could cost you later.

2. Check their level of personal service

A good broker should feel like a partner, not a call centre.

Signs of strong service:

• You can speak to a real person when you need help. 
• They take time to understand your business or personal circumstances. 
• They explain your options clearly, without jargon. 
• They support you throughout the policy, not just at renewal time. 

Insurance is about trust. If you don’t feel supported, it’s a red flag.

3. Compare value, not just price

Cheap insurance can be tempting – but it’s not always good value.

A good broker will:

• Compare multiple insurers on your behalf 
• Explain the differences between policies 
• Highlight exclusions or limitations 
• Help you balance cost with the right level of protection 

The goal isn’t the cheapest policy – it’s the right policy.

4. Look for transparency and clear communication

You should always know what you’re paying for and why.

A trustworthy broker will:

• Be upfront about fees 
• Provide clear documentation 
• Explain terms in plain English 
• Never pressure you into buying 

If something feels unclear or rushed, it’s worth reconsidering.

5. Check their reputation and reviews

A broker’s track record says a lot.

What to look for:

• Independent reviews 
• Testimonials from similar businesses 
• Industry accreditations 
• Longevity and stability 

A well‑established broker with strong feedback is usually a safer choice.

How QMT Commercial stacks up

At QMT Commercial, we specialise in commercial insurance, with dedicated teams and knowledgeable advisors who understand the needs of businesses, motor traders, driving instructors and more.

We focus on building genuine relationships with our customers – taking the time to understand how they operate and supporting them throughout the policy year. With account managers and a committed client relationship team on hand for queries, adjustments and guidance, you get real people offering real support.

Our customer‑first approach means we always act in your best interests. We’re not here for quick wins; we’re here to build a trusted partnership and ensure you have cover you can depend on. And because we avoid unnecessary jargon, we’ll always explain your policy clearly.

Our reputation reflects this commitment. While the insurance broker category averages a Trustpilot score of 2.7, we’re incredibly proud to hold a 4.8‑star rating (information based on QMT Commercial profile, January 2026).

Final thoughts

Choosing the right insurance broker isn’t just about securing a policy – it’s about finding a partner who understands your needs, protects your livelihood and supports you when it matters most.

We believe insurance should be straightforward, transparent and frankly, more human. Get in touch today and experience the QMT Commercial difference.

By QMT Commercial – helping you stay safe in a digital world

Every Safer Internet Day, we’re reminded that the online world makes life easier – but it also brings new risks. For insurance customers, the rise of digital scams means everyone needs to be cyber-savvy before clicking, buying or sharing personal information.

At QMT Commercial, we believe a safe online experience starts with awareness – especially when arranging something as important as insurance.

Why online insurance fraud is a growing concern

The UK insurance industry is seeing a significant uptick in fraud that starts – or even only exists – online:

• Ghost broking scams – where fraudsters pose as legitimate brokers online to sell fake or invalid policies – have surged in recent years, with activity up more than 50 % between 2022 and 2024. [1]
• A recent survey found that nearly 30 % of young UK drivers have bought insurance via social media, often only realising after being stopped by police or making a claim that their cover was worthless. [2]
• Victims of these scams can lose on average around £2,000 – and still face legal penalties for driving without valid insurance. [3]
• Research from the Association of British Insurers shows 81 % of people were unaware of common online insurance scam tactics, such as spoof adverts that look legitimate but aren’t. [4]

These figures show that fraudsters are exploiting how we search for and buy insurance online – if you don’t know what to look for, you might not realise you’re at risk until it’s too late.

Common online insurance scams to watch for

1. Ghost brokers

These are fraudsters who pose as insurance intermediaries – often through:

• Social media ads and direct messages
• WhatsApp and private messaging apps
• Websites that mimic real brokers or insurers

They might:

• Forge policy documents
• Falsify information to secure cheaper cover
• Or take out a genuine policy and cancel it secretly

Either way, you can end up uninsured without knowing it. [5]

Red flags include:

• Offers that look too cheap compared with market rates
• No legitimate website, landline number or FCA details
• Communication only via social media or private chat apps

2. Spoofed websites and fake ads

Fraudsters also create websites or search ads that look official but are designed to collect your personal data or payments. These spoof sites might:

• Appear at the top of search engine results
• Use names, logos or branding similar to real insurers
• Look nearly identical to the genuine site

Once you enter your details, they can be used for fraud or sold on the dark web. [6]

This type of scam is especially dangerous because it targets people after an accident, when urgency and stress make them less cautious.

How to stay safe online – our top tips

1. Verify before you buy

Always check:

• The broker is on the Financial Conduct Authority (FCA) Register
• Membership of the British Insurance Brokers’ Association (BIBA)
• That the insurer is listed with the Motor Insurers’ Bureau (MIB)

If in doubt, call the insurer directly on a number from their official website – not one given in a pop-up ad or social media DM.

2. Don’t be lured by “too good to be true” prices

If a quote is far below typical market costs, it probably isn’t legitimate. Fraudsters use low pricing to hook customers quickly before they can check credentials. [4]

3. Beware of unusual contact channels

Real insurance brokers and companies won’t insist on:

• WhatsApp or mobile-only contact
• Messages through Instagram or TikTok
• Payments via bank transfer or untraceable methods

If these appear, pause and verify.

4. Report suspicious activity

If you suspect you’ve encountered a scam:

• Report to Action Fraud or Insurance Fraud Bureau (IFB) CheatLine
• Contact your insurer or broker to check your policy status
• Don’t click links or share details until you’re sure the site is legitimate

Closing thoughts

The internet has transformed how we compare, buy and manage insurance – but it’s also given fraudsters new tools to deceive us. On this Safer Internet Day, we want every QMT Commercial customer to stay informed and empowered online.

Here at QMT Commercial, we’re committed to helping you find the right insurance – not fake deals or risky shortcuts. If you ever have questions about an online offer, or need help validating a quote, reach out. We’re here to help you make safe, secure decisions for your insurance needs.

Stay safe online. Verify before you trust. And when in doubt – ask a trusted broker.

Sources:

1. https://www.cityoflondon.police.uk/news/city-of-london/news/2025/june/city-of-london-police-leads-nationwide-crackdown-on-ghost-broking/?utm
2. https://www.aviva.com/newsroom/news-releases/2024/11/three-in-ten-young-drivers-have-purchased-car-insurance-from-a-ghost-broker/?utm
3. https://www.aviva.com/newsroom/news-releases/2025/11/ghost-broking-surges-twenty-two-percent-in-two-years-aviva-urges-crackdown-to-protect-young-drivers/?utm
4. https://www.abi.org.uk/news/news-articles/2024/5/four-out-of-five-people-unaware-of-common-motor-insurance-scam/?utm
5. https://www.cityoflondon.police.uk/ghostbroking?utm
6. https://www.abi.org.uk/products-and-issues/topics-and-issues/fraud/online-fraud/?utm

Filing an insurance claim can feel like navigating a labyrinth – paperwork, deadlines, investigations, valuations. Whether you’re managing a fleet of vehicles, a driving instructor car, a motor trade policy or liability cover, a streamlined claims process can save time, money and stress.

Fortunately, with the right preparation and know-how, you can significantly reduce headaches and get back on track – quickly and confidently.

Why understanding claims matters

Before we dive in, let’s look at the big picture:

• UK motor insurers dealt with around 2.4 million motor claims in 2024 – a volume that reached record levels as theft and repair costs surged. [1]
• Total motor insurance payouts hit a record £11.7 billion in 2024. [1]
• Claims costs now represent roughly 54% of motor premiums, meaning insurers pay out more than half of the premiums they take in. [2]
• 2022 data from the Financial Conduct Authority (FCA) revealed a 24% increase in rejected motor claims compared to the previous period, many resulting from avoidable issues such as[non-disclosure, fronting and delayed reporting. [3]

With numbers like that, it’s no wonder claim handling can be daunting – but it doesn’t have to be.

1. Know your policy inside out

The most common source of claim stress is policy mismatch – where what you think you’re covered for isn’t actually in your documentation.

• For motor trade policies, claims are often declined because of inaccurate or outdated details like turnover, vehicle values or staff numbers. Getting these details right at the outset avoids misplaced expectations and rejected claims.
• With fleet insurance, ensure you understand permitted drivers, vehicle categories and usage profiles – especially if telematics devices are involved (which can reduce risk but also kick in extra conditions).
• Driving instructors and learners need specific cover for instruction use – anything else may lead to denied claims if the insurer deems use “commercial” without appropriate cover.

Tip: Keep your policy documents easy to access – and review them regularly with your broker, not just at renewal.

2. Document every incident immediately

Accurate documentation is your best friend when filing a claim:

• Take clear photos of damage, vehicle positions, weather conditions, skid marks and surroundings.
• Exchange names, addresses and registration details with other parties. Don’t hand over sensitive IDs or let anyone photograph your licence/insurance at the roadside – increasingly, “crash-for-cash” scams are exploiting this to commit fraud. [4]
• Collect witness names and contact details where possible.

These simple actions make it much easier to support a claim with evidence – and reduce disputes.

3. Report the claim promptly – even if you’re unsure

Many motor claims go sideways because policyholders delay reporting or assume they’ll sort it out themselves later.

Always notify your insurer as soon as possible – even if you’re not sure you’ll claim. Failing to do so can lead to:

• Higher risk of rejection
• Voidance of cover
• Possible future premium increases

Rising customer complaints and ombudsman referrals show that poor claim handling often stems from miscommunication, not bad faith. [5]

4. Avoid common pitfalls that could void your claim

Some mistakes are very avoidable – but surprisingly common:

• Do not admit fault at the scene – even saying “sorry” may be interpreted as liability and impact claim outcomes. [6]
• Do not authorise repairs before insurer inspection unless explicitly agreed – insurers often require damage surveys.
• Keep all trading records for motor trade claims – failure to prove legitimate business activity can cause denial.

5. Use technology to your advantage

Innovation now exists to reduce claim friction:

• Telematics for fleet and driver performance monitoring can improve risk profiles and evidence accuracy.

Brokers like QMT Commercial can help interpret policy language, ensure accurate applications and guide you through the claims journey.

6. Don’t panic – ask for help

If an insurer challenges your claim, or you feel stuck:

• Ask your broker for support.
• Refer disputes to the Financial Ombudsman Service if necessary (complaints handling is part of their remit).
• Keep records of all correspondence.

Professionals are there to help – and most disputes are resolved with good documentation and clear communication.

Final thoughts

Filing an insurance claim doesn’t have to be stressful – but it does require preparation, accurate information and timely action. Whether you’re managing a fleet of vehicles, teaching learners, running a motor trade business, or simply driving on UK roads, understanding how to minimise risk and handle claims efficiently will save you time, money and worry.

Sources:

1. https://www.abi.org.uk/news/news-articles/2025/2/motor-claims-hit-record-11.7-billion-in-2024/?utm
2. https://www.fca.org.uk/data/general-insurance-value-measures-data-2024?utm
3. https://www.insurtechinsights.com/uks-financial-watchdog-warns-of-rising-insurance-premiums-and-increased-rejection-of-claims
4. https://www.theguardian.com/money/2025/oct/26/crash-for-cash-insurance-fraud-scam-moped-riders?utm
5. https://www.insurancetimes.co.uk/analysis/five-years-of-ombudsman-data-exposes-insurances-biggest-complaints/1454847.article?utm
6. https://www.thesun.co.uk/news/36844474/millions-motorists-drivers-insurance-apologising/?utm
7. https://www.abi.org.uk/products-and-issues/topics-and-issues/data-and-the-digital-revolution/data-in-insurance/?utm