KGM Underwriting Services

KGM Underwriting Services, an underwriting agency specialising in motor insurance

KGM Underwriting Services is a UK market underwriting agency (MGA) focused on motor insurance for brokers and intermediaries. The company presents itself as one of the UK's most highly rated specialist motor MGAs and has been part of DUAL UK since 2021. Its activity is supported by long-term A+ rated underwriting capacity backed by Zurich.

The service model is based on direct contact between the broker and experienced underwriters with decision-making authority, so that responses and quotes are resolved in real time. The firm describes its approach as fast, friendly and flexible, with products designed to adapt to the specific needs of the end client.

Insurance products for individuals and specialist vehicles

KGM's catalogue covers both conventional vehicles and non-standard categories. The options aimed at individuals include:

• Private Car: comprehensive cover aimed at experienced drivers, with benefits such as extended foreign use cover.
• Learner Driver: comprehensive cover for provisional licence holders aged 17 to 21.
• Multi-Car: a policy that allows several vehicles to be insured under a single contract.
• Specialist Vehicle: cover for unique and non-standard vehicles, such as kit cars or modified vehicles.
• Classic Car: a policy designed for collectable cars at least 20 years old.
• Motorcycle: cover for standard and non-standard bikes, including multi-bike.
• Classic Motorcycle: insurance for collectable motorcycles, taking into account the client's experience, lifestyle and security.

Solutions for businesses and fleets

On the commercial side, the company offers products that can be adapted to different types of operators:

• Motor Fleet: a flexible policy that can include several vehicle classes and mixed cover.
• Taxi: cover for private and public hire vehicles, adjustable to the client's needs.
• Taxi Fleet: a scalable option from small operations to large fleets.
• Commercial Vehicle: aimed at tradespeople with vehicles weighing up to 3.5 tonnes.
• Motor Trade: a bespoke policy for small traders operating from home through to medium-sized operations.

Eridge and Aurum: specialist underwriting and high net worth

Through Eridge, KGM handles specialist motor business including taxi and motor trade road risks, as well as higher rated car and van insurance. Aurum, meanwhile, offers solutions for high net worth (HNW) owners with high-value, high-performance vehicles.

History: from Lloyd's Syndicate 260 to DUAL UK

The company's history dates back to 1957, when Lloyd's underwriter Kenneth Gordon McNeil founded Lloyd's syndicate 260, KGM Motor Policies, at Lloyd's Avenue in the City of London. The project's origins are linked to the desire to design motor insurance with broker service in mind.

The timeline published by the company itself includes milestones such as Lloyd's opening up to non-market brokers in 1966, expansion to larger offices in South Woodford in 1971, its 25th anniversary in 1982, the launch of its first website in 2004 and joining the Howden group in 2021, the year in which it exceeded £100 million in premium written. The firm states it has more than 60 years of experience in solving specialist problems and presents itself as one of the UK's largest motor MGAs, with more than 1,000 brokers and half a million policyholders, and more than £200 million in gross written premiums.

Market recognition

KGM details several awards and ratings obtained in the sector. At the UK Broker Awards 2025 it received the Broker Choice: MGA of the Year award, voted for by brokers. In the Insurance Times MGA survey it maintained a five-star rating in the 2025/26 edition, the fourth consecutive, and in the 2024/25 edition it also obtained five stars. It also lists the MGA of the Year recognition at the British Insurance Awards 2026.

Broker operations and claims management

The company provides intermediaries with a broker portal and various online quoting tools, as well as face-to-face support, to build tailored cover. Brokers can contact underwriters with immediate decision-making authority directly. For policyholders, claims management is channelled through a dedicated claims phone number and email address, and it states that clients with existing policies should contact their intermediary for any queries about them.

Corporate structure and regulation

KGM is a trading name of DUAL Corporate Risks Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 312593, registered in England and Wales with Companies House number 4160680 and registered office at One Creechurch Place, London, EC3A 5AF. The company maintains its office at St James House, 27-43 Eastern Road, Romford RM1 3NH.

Location and contact

St James House, 27-43 Eastern Road, Romford RM1 3NH · Phone: 0208 530 7351