KGM Motor Insurance
Guide To KGM Insurance Services
KGM is operated as a trading name for businesses managed by KGM Underwriting Services Limited. The company was founded in 1957 by Kenneth G. McNeil and has since offered flexible motor insurance products to both brokers and clients.
KGM Insurance started as Lloyd’s Motor Insurance, but the company is now one of the UK’s leaders when it comes to providing specialist and niche footprint insurance products for both commercial and personal purposes.
What types of insurance products does KGM offer?
Specialist Vehicle Insurance
KGM offers insurance for a wide range of specialist vehicles, including custom cars, American classics, motorhomes, off-road vehicles (4×4), agricultural vehicles, kit-cars, military vehicles, vintage cars etc. With the company’s specialist vehicle policy, the insured will enjoy protection from accidental or malicious damages, coverage for spare parts, unlimited satellite and audio cover, widescreen and glass cover, personal belongings cover, foreign use in EU countries and many more. KGM also offers additional benefits like discounts on multi vehicle cover, rewards for members of the owner’s club, salvage retention and flexible claims service. The company has over 60 years of experience in specialist motor insurance, and it is known for accessible KGM underwriting services.
Classic Car Insurance
Do you have a collectable car that is at least 20 years old? If yes, then the KGM classic car insurance policy was designed for you. Under this policy, KGM offers insurance to people who drive post-1990s vehicles and are above 30 years of age and pre-1990s vehicle drivers who are older than 25 years. You can also be insured if you’ve been a UK resident for more than three years and are a full UK licence holder of over one year.
Taxi Fleet Insurance
KGM has a tailored taxi fleet for brokers and their clients. They work with fleets of two cars and above and small to enterprise scale operations, including private cars and MPVs of 9 seats. KGM insurance also works with no-claims bonuses that are transformed into potential risks for taxi insurance and an established positive track record with a history of no claims. The taxi fleet insurance policy comes with additional benefits like a dash camera waiver of up to £250, replacement for new vehicles, unlimited windscreen and glass cover and parcel and food delivery.
Other Insurance Products Offered by KGM Insurance Services Include:
Other KGM Insurance also offers other products, including:
- Motorcycle insurance.
- Classic motorcycle insurance.
- Private car insurance.
- Multi-car insurance.
- Learner Driver insurance.
- Taxi insurance.
Who underwrites KGM insurance policies?
KGM insurance is underwritten by KGM Underwriting Services, which is also part of the Howden Group. KGM’s insurance policy is also backed by Zurich Insurance plc under a long-term five-year facility that started in 2022.
The information in your driving history provides insurance companies with insights into your past behaviour on the road and helps assess the level of risk you pose as a policyholder.
How does the public review KGM Insurance?
KGM Underwriting Services is trusted by over 1000 brokers and more than 500 thousand policyholders. KGM was the only Motor MGA rated five stars by brokers on the Insurance Times MGA Survey 2023/2024. On trust pilot, KGM insurance has 534 reviews with an average 3.7 rating.
- Updated:07 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert