

How to 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 motor insurance policy taken out by a business owner to cover multiple vehicles and van drivers.
Construction companies, couriers, businesses with travelling sales teams and taxi companies are the types of organisations who often require this type of commercial fleet insurance. This type of fleet vehicle insurance may 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 fleet insurance policy for your business using our fleet van quote tool and start saving on your insurance premium today.

Why do businesses choose motor fleet insurance policies?
Insuring your vehicle is a legal requirement, but instead of juggling multiple insurance policies, businesses can take out a single commercial van fleet insurance policy from an industry leading specialist insurance company. 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.
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Taking out a single fleet insurance policy means that you won’t need to keep on top of multiple insurance renewal dates, but it also brings other practical benefits for business owners, such as:
- Your fleet insurance policy is tailored to your business needs
- A number of employees can drive a single vehicle, without requiring multiple insurance policies
- You’ll save money from taking out one fleet insurance 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 or vans to another business
How many vehicles do I need for fleet insurance?
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 that need insurance.
However, it’s important to consider that a fleet insurance 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 insurance policies from traditional insurance providers to benefit from no claims discounts on one or more of your vehicles, rather than a single fleet insurance policy without a discount.

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

Taxi fleet insurance
Taxi businesses will usually find that specialist taxi insurance provides the best cover to protect their private hire vehicles.

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

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

Comprehensive
The maximum amount of cover and generally the most expensive type of fleet insurance, a comprehensive van 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 insurance cover on your fleet of vehicles and usually within the middle of the price range, a third party, fire and theft insurance 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 fleet insurance, a third party only fleet policy covers:
- Liability for injury to others, including passengers
- Damage to third party property
Other insurance considerations
One big advantage of commercial vehicle fleet insurance is that it can be tailored to your company’s insurance requirements. Here are some factors to consider when choosing what you need from your insurance:

Who’s driving your fleet?
Depending on who is driving, you could require private use fleet insurance. 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 van insurance policy.

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

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

Liability insurance for your fleet
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 insurance.

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

Towing policy fleet cover
Do your vehicles tow trailers or caravans? If they do, you should consider fleet van insurance that includes towing policy cover, many fleet insurance specialists allow this to be added to your policy.

Covering your fleet of van drivers
There are a number of considerations to make about how you insure your van drivers, but you’ll be able to find a van fleet policy to suit your needs using our fleet van insurance quote tool.
Insuring multiple drivers on a business insurance policy
With standard motor insurance, you are usually required to inform the insurer who will be driving the vehicle. However, when insuring a fleet, most insurance 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 insurance, but you may be able to reduce your insurance 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’ insurance cover.
This may not be the cheapest insurance 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.
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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 your fleet insurance policies
Your fleet insurance provider will keep a record the claims on your insurance policy, and you should keep track too, so you can analyse the data.
Is one employee making a high number of insurance 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 van fleet premiums too.

How to tailor 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 van insurance is unlikely to be the cheapest insurance option. However, if the value of the vans in your fleet is relatively low, third party car insurance or van insurance might actually be the best insurance 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 insurance premiums.
- Choose a secure place to park vehicles overnight
- Install dashboard cameras to vehicles to lower insurance premiums
- Use telematics insurance devices to monitor van drivers’ habits
- For vehicles carrying high value goods, install trackers in your vans
- Keep vehicles well-maintained and your vans serviced regularly
- Cap annual mileage for vehicles to reduce insurance quotes

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 to cut insurance costs
- 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 insurance 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 insurance premiums.
- Increase voluntary excess, meaning you pay more in the event of an accident, to reduce insurance policy rates
- Pay for your insurance annually rather than in instalments for a discounted a lump-sum payment
- Shop around and compare fleet insurance policies to find the cheapest insurance cover
Compare motor fleet insurance
Find the insurance policy that’s right for you using our online fleet insurance quotation tool. We’ll provide a range of results with fleet insurance that are suitable for you.