Century Underwriting Limited
Specialist motor fleet MGA delivering expert, human-led underwriting to the UK commercial market
Overview
Century Underwriting Limited is a boutique managing general agent (MGA) specialising exclusively in commercial motor fleet insurance, founded in April 2011 and headquartered in Chelmsford, Essex. The company is 100% management-owned and positions itself as a high-service, expert-led alternative to the automated, commoditised underwriting that dominates the market. Its underwriting team maintains direct decision-making involvement on every risk rather than relying on algorithmic processing.
Century distributes through a network of more than 300 appointed broker agencies operating under Terms of Business Agreements (TOBAs), providing broad access to the UK commercial fleet market while preserving the personal service relationships that define its brand. The company differentiates through three core principles: a flexible approach, personal service, and customised cover tailored by experienced underwriters.
In November 2025, Century announced a transformational long-term capacity agreement with Antares (re)insurance group, effective December 2025. The deal provides dedicated underwriting capacity, shared data and analytics, real-time portfolio visibility, and collaborative product design capabilities -- enabling Century to expand its product range through its Cognition sub-brand and strengthening its competitive position in the UK fleet market.
Products & Services
Motor Fleet Insurance
Specialist commercial motor fleet policies underwritten by experienced human underwriters rather than automated systems. Covers fleets of all sizes, priced on a per capita or wage/turnover basis.
Key Features
- Customised cover tailored by underwriters for each fleet risk
- Flexible policy terms adapted to client profile
- Direct underwriter access for broker partners
Target Users: UK commercial fleet operators -- contractors, haulage companies, delivery services, and other vehicle-intensive businesses
Distribution: Over 300 UK broker agencies under TOBA
Cognition (Sub-Brand)
Additional product line supported by the Antares capacity agreement, providing further product development and expansion into adjacent commercial motor segments.
Target Users: Commercial fleet operators requiring specialist coverage beyond standard motor fleet
Distribution: Via Century's existing broker network