Flock, a London-based insurtech company specializing in data-driven fleet insurance, has launched a haulage fleet insurance product in partnership with Admiral, marking its first major move into the UK haulage segment.
The expansion extends Flock’s connected insurance model into a large commercial vehicle market, combining its data-led risk approach with Admiral’s underwriting and claims capabilities.
Flock uses real-time telematics and risk analytics to help commercial motor fleets reduce accidents, lower costs, and operate more safely.
Founded in the UK, Flock has become a leader in usage-based and connected-vehicle insurance for modern fleets.
Flock already applies its model across several fleet segments, including courier, trades, taxi, and rental operations.
Flock began as a research project at the University of Cambridge exploring drone risk analytics. The company initially launched as the UK’s first on-demand drone insurance provider.
It later expanded its model to road vehicles, applying the same real-time risk assessment to connected car and fleet data. This evolution positioned Flock as a pioneer in telematics-based insurance.
According to Beinsure analysts, fleets using its risk management programme report about a 10% drop in claims frequency. Lower incident rates reduce downtime and cut operating costs, which matters for fleet operators running tight margins.
The UK haulage sector presents a sizable opportunity. It contributes £13.5 bn annually to the economy and includes more than 600,000 heavy goods vehicles.
These vehicles transported roughly 1.6 bn tonnes of goods in 2024. Telematics adoption across fleets supports Flock’s approach, as continuous driving data feeds into pricing models and risk monitoring systems.
Ed Leon Klinger said the company focuses on preventing claims before they occur. The model uses driving data to price risk with greater accuracy while working directly with fleet operators to reduce crash frequency.
Safer fleets receive lower premiums, creating financial incentives tied to performance. He added that the partnership with Admiral introduces the model to haulage with strong claims expertise behind it, alongside the expected completion of Admiral’s acquisition of Flock.
The product runs through the Flock Portal, a digital platform that gives fleet managers real-time visibility into driving behaviour and risk trends.
Managers can track claims performance, adjust policies, and monitor operational exposure without delay.
The offering also includes tailored risk management support and a rebate structure, allowing fleets to earn back up to 10% of premiums based on performance metrics.
Emma Huntington said haulage fleets play a central role in keeping the UK economy moving across supply chains and regional networks. She pointed to a clear need for better risk understanding and daily risk management across fleets.
Flock’s model focuses on preventing incidents continuously, rather than reacting after losses occur, and this approach complements Admiral’s underwriting and claims experience.
Flock has already bound several haulage risks, showing early demand from brokers and fleet operators. With Admiral’s backing, the company now has the capacity to scale its connected insurance model across the UK haulage market.
Flock’s platform analyzes driving behavior, vehicle data, and environmental factors to quantify risk dynamically. Fleet managers receive insights into driving patterns and can adjust behavior to improve safety.
Insurance premiums are directly linked to measurable fleet performance, incentivizing safer driving and reducing claims frequency.
