Fleet Insurance

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Cover your entire fleet of vehicles

For small businesses and larger enterprises alike, insuring a number of different vehicles can be a necessity. This process can often be made easier, simpler and cheaper by opting for motor fleet insurance to cover all vehicles together.

Motor fleet cover, also known as fleet insurance, is a single insurance policy taken out by a business to cover multiple vehicles and drivers.

Construction companies, couriers, businesses with travelling sales teams and taxi companies are the types of organisations who often require this type of commercial insurance. It might also be taken out by organisations who provide company cars for their employees or keep pool cars that are used by employees as company vehicles whenever needed.

Choose the best policy for your business using our fleet quote tool and start saving today.


Why businesses choose commercial fleet insurance policies

Insuring your vehicle is a legal requirement, but instead of juggling multiple policies, businesses can take out a single commercial fleet insurance policy. This means you’ll have just one insurance policy covering every vehicle in your fleet, reducing your admin and giving you more time to spend on other areas of your business.

    Taking out a single policy means that you won’t need to keep on top of multiple renewal dates, but it also brings other practical benefits for business owners, such as:
  • Your insurance policy is tailored to your business needs
  • A number of employees can drive a single vehicle, without requiring multiple policies
  • You’ll save money from taking out one policy, due to a combination of factors including the cost of the premium and the cost of administration time
  • It’s simpler to sell your fleet of vehicles to another business

The number of vehicles for a motor fleet insurance policy

Fleet insurance isn’t just for businesses with hundreds or thousands of vehicles in their fleet. Different insurers define a fleet in different ways, but you will be able to find fleet policies to suit your needs even if your business has a few as two vehicles.

However, it’s important to consider that this type of policy typically doesn’t offer no claims discounts. If you only have a few vehicles in your fleet, it might be cheaper to take out individual policies to benefit from no claims discounts on one or more of your vehicles, rather than a single policy without a discount.


Types of fleet insurance


Van fleet insurance

For vehicle fleets made up of vans, minibuses, coaches or lorries, specialist van insurance is probably a good option for you.


Commercial fleet

Fleets consisting of cars or other vehicles carrying goods or vehicles carrying passengers who pay fares may find commercial vehicle insurance the most appropriate option.


Taxi fleet insurance

Taxi businesses will usually find that specialist taxi insurance provides the best cover to protect your assets.


Haulage or HGV fleet

If your vehicles are used to transport goods over long distances, haulage fleet insurance may be the best route for you to take.


Courier fleet insurance

Courier business can take out specialist courier insurance.


Levels of motor fleet insurance cover

The first thing to consider when looking at a fleet policy is the level of cover you need. Like standard car insurance, there are three basics levels:



The maximum amount of cover and generally the most expensive type of insurance, a comprehensive fleet policy covers you for:

  • Liability for injury to others, including passengers
  • Damage to third party property
  • Fire damage to your vehicles
  • Theft of your vehicles
  • Damage to your vehicles caused during theft
  • Damage to your vehicles if they are involved in an accident or incident
  • Loss or damage to personal effects
  • Medical expenses for anyone involved in an accident or incident involving your vehicles

Third party, fire and theft

Typically providing mid-level cover on your fleet of vehicles and usually within the middle of the price range, a third party, fire and theft policy covers you for:

  • Liability for injury to others, including passengers
  • Damage to third party property
  • Fire damage to your vehicles
  • Theft of your vehicles
  • Damage to your vehicles caused during theft

Third party only

The minimum insurance required in the UK, providing the lowest level of cover and usually the cheapest, a third party only fleet policy covers:

  • Liability for injury to others, including passengers
  • Damage to third party property

Other fleet insurance considerations

One big advantage of commercial vehicle fleet insurance is that it can be tailored to your company’s requirements. Here are some factors to consider when choosing what you need from your insurance:


Who’s driving

Depending on who is driving, you could require private use cover. Are your vehicles driven by your employees in a private capacity? Do friends and family of your employees drive your vehicles? If so, you will need to have private use cover on your fleet insurance policy.



If your employees are tradesmen who need to transport tools or equipment in the vehicles to carry out their work, your fleet insurance policy may need to have carriage of own goods coverage.


Personal belongings

Personal effects cover is an optional extra for covering your drivers’ goods and possessions when they are in your vehicles.



To protect your business against claims made by members of the public or employees if there is an accident or incident involving your vehicles, public liability insurance and employee liability cover may be a good addition to your fleet policy.


Legal cover

For cover in case a third party makes a compensation claim against you, make sure you have legal expenses cover. Sometimes this is included as standard by fleet insurers, but sometimes it’s offered as an optional extra.


Towing policy cover

Do your vehicles tow trailers or caravans? If they do, you should consider fleet insurance that includes towing policy cover.


Covering your fleet of drivers

There are a number of considerations to make about how you insure your drivers, but you’ll be able to find a fleet policy to suit your needs using our fleet insurance quote tool.

Insuring multiple drivers on a fleet insurance policy

With standard vehicle insurance, you are usually required to inform the insurer who will be driving the vehicle. However, when insuring a fleet, most policies recognise that many people may be driving your vehicles.

Anyone with the permission of your business to drive one of your vehicles will be covered by your fleet policy, but you may be able to reduce your premium by placing certain restrictions on who can and can’t drive your vehicles.

Who’s covered on your motor fleet policy

If you have a large fleet with drivers changing vehicles frequently or a business where employees could be driving any of a number of vehicles, it makes good sense to have business insurance with ‘any vehicle’ or ‘any driver’ cover.

This may not be the cheapest option in the short term, but the flexibility could save you money in the long run. Fleet policies covering any driver or vehicle mean you’re unlikely to discover you’ve accidentally invalidated your insurance on a cover that’s too specific when making a claim.

    If having ‘any driver’ fleet cover isn’t the most cost-effective option, you might instead choose to:
  • Only allow people over the ages of 25 or 30 to drive your vehicles
  • Only employ people with clean driving licences

Keeping track of fleet insurance claims

Your fleet insurance provider will keep a record the claims on your policy, and you should keep track too, so you can analyse the data.

Is one employee making a high number of claims? Do you claim for the same type of incident each time? When you identify trends, you can take action to reduce them, which could help to reduce your fleet premiums too.


Tailoring your fleet cover for the best price

Taking the time to tailor the insurance to your precise requirements could save you money in the long run.

The maximum level of cover on your fleet insurance is unlikely to be the cheapest option. However, if the value of your fleet is relatively low, third party car insurance might actually be the best option for you.


Improve safety and security for cheaper fleet quotes

Choices to improve safety, security and monitoring will usually be looked at favourably by fleet insurers, who may offer cheaper deals and reduced premiums.

  • Choose a secure place to park vehicles overnight
  • Install dashboard cameras to vehicles
  • Use telematics devices to monitor drivers’ habits
  • For vehicles carrying high value goods, install trackers
  • Keep vehicles well-maintained and serviced regularly
  • Cap annual mileage for vehicles

Empower drivers to make smarter, safer decisions

You can take simple steps to remove hazards and improve the conditions for drivers, which will reduce the risks of accidents.

  • Invest in advanced driving courses for employees
  • Install hand-free mobile kits in vehicles
  • Enforce the legal limits driving durations and breaks
  • Produce internal policies to improve concentration and reduce dangerous driving
  • Ask drivers to pay excess on claims for accidents or incidents where they are at fault

More ways to save money on your fleet insurance quote

Choices to improve safety, security and monitoring will usually be looked at favourably by insurers, who may offer cheaper fleet deals and reduced premiums.

  • Increase voluntary excess, meaning you pay more in the event of an accident, to reduce insurance policy rates
  • Pay annually rather than in instalments for a discounted a lump-sum payment
  • Shop around and compare fleet insurance policies to find the cheapest cover

Compare motor fleet insurance

Find the policy that’s right for you using our online fleet quotation tool. We’ll provide a range of results with fleet insurance that are suitable for you. Choose the policy that is best for your business and start saving today.