Principal Insurance

Principal Insurance, a broker specialising in vehicle and commercial risk insurance

Principal Insurance Limited is an independent insurance broker with its registered office at Citygate 2, Cross Street, Sale (Manchester). The firm presents itself as a specialist in motorbike, car, van, motorhome, multi-vehicle, minibus, home and commercial insurance products, and states that it has around 50,000 customers in the United Kingdom.

The company states that its growth has been based on direct service rather than large marketing campaigns, and that its service model prioritises conversation with the customer over rigid scripts and call length targets. It describes itself as an independent broker that seeks quotes from specialist insurers in the UK market.

Personal insurance catalogue

The offering for individuals is organised by type of vehicle and need. In the motorbike section there are policies for classic motorbikes, trikes, multi-bike fleets, mopeds and scooters, custom motorbikes and vehicles declared off the road (SORN).

For cars, cover is offered for classic cars, temporary car insurance, high performance cars, prestige cars, learner drivers, multi car fleets, specialist vehicles, kit and replica cars, private cars, convicted drivers, impounded vehicles and SORN. For vans, standard policies, impounded vans, fleets, SORN and temporary cover are available; for motorhomes, insurance for motorhomes and campervans, specialist vehicles, fleets, SORN and temporary cover.

The personal catalogue is completed with minibus, home, additional personal accident, breakdown and accident assistance, motor legal protection, excess protection, helmets and leathers, Keycare, licence defence, tools in transit, travel and caravan insurance.

Solutions for businesses and professionals

In the commercial area, Principal Insurance offers insurance for motorbike couriers, goods in transit, delivery riders, fast food delivery fleets, courier cars, vans and courier insurance, employers' liability and public liability, SMEs, pay-as-you-go fleets and motor trade, including the combined motor trade option.

There are also products for courier fleets, taxi, food delivery and van fleets, catering vans, haulage and heavy goods vehicle (HGV) fleets, with goods in transit and pay-as-you-go fleet cover.

Customer service and claims handling

The company has a quotes and customer service phone line, channels for reporting claims and uploading documents, and a frequently asked questions centre. According to its presentation, the team works from a call centre in the United Kingdom and offers specific support both when taking out a policy and when handling claims.

The firm states that conditions apply to security, advanced riding and owners club discounts, as well as to limited mileage discounts, and advises requesting details.

Regulated activity and corporate information

Principal Insurance Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 551900. The company, with number 07623634, is registered in England and Wales, and its registered address matches the Sale office in Manchester.

Location and contact

Citygate 2, Cross Street, Sale, Manchester M33 7JR