Direct Commercial Ltd
Redwing House Colchester Road Chelmsford CM2 5PB
01245 459 700
  • About DCL

    Established in 2002, Direct Commercial Ltd (DCL) is a market leading Insurance Underwriter specialising in Commercial Motor for the UK and Ireland. DCL's proven track record in the Commercial Motor market combined with the backing and security of some of the world's highest rated insurers provides the market with a selection of premier, all-inclusive Motor Fleet products.

    If you are a FCA registered Insurance Broker and you would like to take advantage of any of our offerings please do not hesitate to contact us via our website or email us directly at


HIO gears up for a bumper haul in 2019


Haul In One, (HIO), Direct Commercial’s specialist book and bonus facility for commercial vehicles, is set for the continuation of significant growth in 2019 after a record breaking 2018. The facility, accessed via an online portal (, has seen an unprecedented increase in popularity over the last 12 months.

Michael Dickinson, Head of Schemes at DCL said ‘We have enjoyed fantastic success in 2018 as the product has become more widely known. We have also made important changes which have enhanced the results for an already excellent year via the expansion of the acceptance criteria to up to 10 vehicles on a single policy and the introduction of a discount for previous driving experience. Overall however there is quite simply nothing else like HIO in the market at this moment in time.’

The HIO portal currently allows brokers with a DCL agency to quote and bind new business for between one and ten commercial vehicles. The system will later be expanded in 2019 to allow for the online processing of MTAs & renewals by users with all documentation then being instantly available.

Mr Dickinson went on to say ‘The ability to insure a single small van all the way up to a small fleet of 44T HGVs, Tippers, Skip Carriers or Tankers in any combination has really struck a chord with our brokers and we are seeing a number of agents transition HIO to becoming their primary portal for obtaining multi vehicle quotes. Whilst we don’t write new ventures, the fact we can accommodate most occupations as well as hazardous goods risks in addition to Hauliers & Couriers has been a huge bonus. The HIO policy can start with just one vehicle and further vehicles can be added as they are purchased or when they come up for renewal mid-term. Overall, HIO prides itself on the accessibility of its dedicated underwriting team and UK based, 24-7 claims specialists, which have been of great benefit to both brokers and clients alike.”

Trailer cover, foreign use, an Instalments facility, a broad acceptance of motoring convictions and previous claims and the fact that quotes can often be offered on an ANY licenced driver basis also seem to have helped with popularity.

Adam Marsh, Head of Agency & Development added ‘HIO has been set up to operate a little differently. We are very careful about what we will write as bonus has to have been earned on a relevant vehicle for example and we won’t write private cars or pick-up trucks. We strongly believe that insurance should be an ongoing relationship between client, broker and insurer and so unlike some other markets we won’t simply look to come off cover if the ten vehicle limit is reached. We offer a roadmap for client growth and will happily consider a fleet option once a client has been insured with us for a year and the policy has grown to a certain level.’

Further information about Haul In One and other Direct Commercial products can be obtained from the company website, .

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