Broker feedback drives Zurich’s latest SME fleet eTrade update

Zurich Insurance has expanded its small and medium-sized enterprise (SME) eTrade fleet proposition by introducing a no claims discount (NCD) conversion option, a move it said directly responded to broker demand for more trading flexibility.

The enhancement, which went live yesterday (8 September 2025), allows brokers to convert existing NCD rated motor policies into a single fleet policy with one premium and one confirmed claims experience (CCE).

The update applies to fleets of between two and 20 vehicles and is available across all of Zurich’s SME eTrade platforms, including Acturis, Zurich Online and Bravo Digital Trader.

Nikki Lidster, head of SME at Zurich, said: “Accepting NCD histories for new fleet business is a direct response to feedback that brokers have given us. They wanted more flexibility and choice to simplify SME customers’ fleets as they grow.

”This update, in addition to wider acceptance around director-owned vehicles and sole traders, provides even more [ways] to support small fleets.”

She added: “SME fleet has been a strong growth area for us in recent years, and we are delighted to bring this additional offering to the market, on all the platforms we trade on, including Acturis.”

Early interest

Lidster explained that the change had already generated business interest on launch day.

“We have already bound several policies this morning and those customers are expanding their small businesses with the addition of new vehicles,” she said.

Zurich confirmed that its SME small fleet proposition remained five star rated by Defaqto. Zurich was also awarded a five-star rating for its eTrading capabilities in Insurance Times’ Five Star Rating Report: eTrading 2025.

Lidster also highlighted: “We have a robust programme of listening to and acting on all broker feedback that we receive through our own Transactional Net Promotor Score (TNPS surveys), brokers own surveys and industry feedback, such as the Insurance Times eTrade survey.”

Cover would remain consistent regardless of whether a customer’s history was fleet CCE or NCD based, with features including any driver cover for standard vehicles, no additional excesses for young drivers and a self-serve option for brokers quoting on NCD risks.

Lidster added: “We feel by going live on all of our trading platforms, we are giving brokers choice and supporting ease of trading with Zurich. SME eTrade is a significant part of Zurich UK’s growth strategy and digital trading is at the heart of that.”