Coffee Chat with Clive Fulcher, Chief Commercial Officer at Driverly

Hi Clive! Tell us a little about yourself. 

I’ve spent my entire career in personal lines insurance — from broking and underwriting to leading product and commercial strategy across brokers, MGAs, and insurers. I’ve held senior roles at Markerstudy and BGL, and more recently ran my own consultancy, helping businesses launch specialist schemes, secure capacity, and drive growth. What’s always motivated me is building products that genuinely serve customers. I’m a firm believer that insurance should be smarter, simpler, and built around real-world behaviour. 

You were recently appointed as Driverly’s CCO. Why did you decide to join Driverly’s c-suite? 

Driverly stood out immediately. The team isn’t just talking about innovation — they’re building it. Their approach to data enrichment, behavioural insight, and dynamic pricing is exactly what the motor insurance sector needs. I’ve seen firsthand how legacy systems and static models hold back progress. Driverly’s platform is designed to break through that. Joining as CCO felt like the perfect opportunity to apply my experience in distribution, product, and partnerships to a business that’s genuinely reshaping the market. 

What are the key opportunities you see as Driverly’s CCO in the short to medium term? 

There’s huge potential to scale Driverly’s reach — both in distribution and product. In the short term, I’ll be focused on building strategic partnerships with brokers, MGAs, and affinity channels that align with our data-driven approach. Medium term, we’ll be expanding our modular product suite, refining our pricing intelligence, and exploring new verticals. I also see real opportunity in working with capacity providers who want smarter underwriting and improved loss ratios. It’s about making Driverly the go-to platform for intelligent motor insurance. 

In your assessment, how can Driverly bring change and innovation to the motor insurance sector? 

Driverly’s innovation lies in its ability to turn real-world behaviour into actionable pricing decisions — not just at point-of-sale, but throughout the policy lifecycle. That’s a game-changer. Traditional models rely heavily on static risk factors and historic data. Driverly brings in live behavioural insights, enriched data, and machine learning to create a more accurate, fair, and responsive pricing engine. It’s not just about cheaper premiums — it’s about smarter underwriting, better retention, and more meaningful customer engagement. That’s the kind of innovation the sector needs, and Driverly is leading the charge.