Commercial Auto Physical Damage (APD)

We cover every type of commercial vehicle, from local light commercial vehicles to long-distance heavy trucks, including construction and logging equipment.

We aim to meet the needs and requirements of the very largest fleet to an individual owner operator, through our wordings which are designed for the majority of risks and our knowledge and experience of the transportation market globally.

As well as APD, we offer Dealers’ Open Lot and Garage Keepers’ Legal Liability coverage which provides Physical Damage protection to dealers’ vehicles held for sale at named locations, and to third party vehicles held in the care, custody and control of a garage or parking facility keeper.

Our very experienced team provides a quick service for brokers and clients, which enables them to keep their business moving.


Our claims approach is integral to our underwriting philosophy and drive for operational excellence.


Key Contacts

General Contacts


+44 (0)204 551 0444



We are committed to excellence through every part of the service we deliver. Our first question is always – how can we do this better? Whether a new risk or a renewal, we seek continuous improvement.

Our Brochure

The White Oak Underwriting brochure provides an overview of how we deliver our solid underwriting and robust claims service across a range of selected markets in over 40 territories. 

Download our brochure