Motor Insurance

KGM | Motor Insurance

Fast and flexible specialist underwriting

At DUAL, Motor lines are handled by our sister company, KGM.

KGM designs bespoke motor insurance solutions for a wide range of specialist, personal, and business-use vehicles.

Our team retains firm control over the underwriting process. Personally underwriting each risk, brokers can expect a swift and tailored service – no matter how complex the cover.

Since 1957, we have had countless conversations with brokers solving their motor insurance problems. With so much experience to draw upon, a single conversation may be all we need to solve yours.

We designed a streamlined underwriting process with broker service at its heart. While we are always at hand for a conversation, brokers can also access our services through our dedicated broker portal and software houses.

Our products

Designed and underwritten by specialist motor insurance experts, our policy wordings have flexibility at their core.

Below are some of the coverages we offer. If you would like further information on our products, please visit our KGM website.


Cover for personal vehicles.

  • Private Car

    Versatile private motor insurance, tailored to the individual.

  • Learner Driver

    Comprehensive learner driver insurance that protects the parent’s no claims bonus.

  • High Net Worth Motor

    Specialist solutions for owners of high-value and performance cars.

  • Motorcycle

    Flexible motorcycle insurance to suit a variety of experience and usage levels.


High quality policies for classic and collectable vehicles.

  • Classic Car

    Broad coverage for classic vehicles, insured at agreed value.

  • Classic Motorcycle

    Custom coverage for classic motorcycles, insured at agreed value.


Specialist insurance for collectible and unorthodox vehicles.

  • Specialist Vehicle

    Expertly tailored cover for specialist vehicles, insured at agreed value.

  • Agricultural Vehicles

    Create a custom mix of agricultural, commercial, and private vehicle insurance on a single policy.

  • Multi-Car

    Design cover for any combination of classic, modern, and commercial vehicles on a single policy.

Business Motor

Coverage for a variety of business-use vehicles.

  • Motor fleet

    A tailorable policy designed for multiple vehicle classes and mixed cover.

  • Taxi fleet

    Designed for small and large taxi fleet operations, with optional additional public liability cover.

  • Taxi

    Covers both private and public hire, suitable for a variety of business activities.

  • Commercial Vehicle

    Cover for tradespeople with vehicles weighing up to 3.5 tonnes.

  • Motor Trade

    Bespoke cover for small traders operating from home to medium-sized operations.

Zurich logo

A-rated capacity

Backed by Zurich

KGM is a trading name for business written by KGM Underwriting Services Limited. KGM Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number 799643.Registered in England & Wales, No: 10581020. Registered Office: 2nd Floor St James House, 27-43 Eastern Road, Romford, RM1 3NH