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A new way to insure your motor fleet
Fleet insurance is a type of policy that covers multiple vehicles under one insurance plan. This approach is often more cost-effective and easier to manage than individual policies for each vehicle.
In partnership with some of the leading UK insurers, we’ll not only get you a better fleet insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We compare the market for the best deal so you don’t have to.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for your fleet business.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable prices. Get a fleet insurance quote today.
With over 50 years of experience providing top-quality insurance for fleet, you can be sure we’ve got you covered.
What does fleet insurance cover?
Fleet performance insights
Risk management tools to help you manage risk and safety to reduce fleet vehicle accidents and help lower your premiums.
Online policy management
Manage your vehicles and drivers 24/7. Instant cover and rapid claim response to get your vehicles back on the road in no time.
Dedicated support
You’ll have your very own dedicated account manager who will monitor incidents, review claims and support you in reducing risks.
Reduced administration
Manage all your vehicles under one steamlined policy. You’ll have one renewal date and one point of contact, simplifying your insurance.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is fleet insurance?
By offering cost savings, administrative ease, and flexible cover options, fleet insurance is a great choice for businesses managing numerous vehicles.
Whether you operate a small fleet or a large one, there are requirements such as the number of vehicles, their usage and driver details that need to be met. Read our guide on fleet insurance requirements for more details.
Policies can vary based on the level of cover you need. The main types include:
Third-party only: The minimum legal requirement, this covers damage or injury caused to third parties, but doesn’t protect your vehicles.
Third-party, fire and theft: This covers third-party liability, as well as damage to your vehicles from fire or theft.
Comprehensive cover: This is the highest level of protection, covering damage to your vehicles, theft, fire, and third-party liability.
If your business has several drivers, you have two options for cover:
Any Driver Policy: Any driver can operate any vehicle. While this option offers greater flexibility, it typically comes at a higher cost and is ideal for businesses requiring multiple drivers to use various vehicles.
Named Driver Policy: Each vehicle is assigned to a specific driver. This is usually more cost-effective, especially for small businesses or when drivers consistently use the same vehicles.
Who needs fleet insurance?
Whatever you do for business, whether you’re a sole trader or limited business owner with a fleet of vehicles, we understand that you need to protect your livelihood.
There are several policy types, each catering to specific businesses and their needs. The types include:
- Van fleet insurance
- Taxi fleet insurance
- HGV and truck fleet insurance
- Car fleet insurance
- Business and commercial fleet insurance
These are ideal for businesses that operate a collection of vehicles, such as:
- Delivery, courier, removal or similar companies
- Taxi services with multiple vehicles and drivers
- Logistics and transportation businesses
- Construction companies with specialised vehicles
- Any business with a large number of company cars or vans
Whatever type of vehicle or cover you need, we can tailor a policy to your needs.
How much does fleet insurance cost?
Several factors can influence the cost of a fleet insurance policy:
Type of cover
Is the level of insurance cover selected third-party only (TPO), third-party, fire and theft (TPFT) or comprehensive.
Size of the fleet
More vehicles usually mean higher premiums, but the cost per vehicle can decrease as the fleet size increases.
Location and security
Where your business operates and the security measures you have in place can affect insurance premiums.
Type of vehicle
The make, model, and purpose of your vehicles can affect your premium. For example, high-value or specialised vehicles may cost more to insure.
Driver details
The profiles of individuals either named or listed on your policy are critical. Age, driver experience, driving history and the number of drivers can all impact.
Claims history
A business with a history of frequent claims will likely face higher premiums. On the other hand, a good claims history can result in discounts.
Fleet insurance frequently asked questions
What types of vehicles can be covered?
Anything with wheels! From cars to commercial vehicles, right up to 44-tonne vehicles, plant and special types.
How many vehicles do I need for fleet insurance?
If you or your business owns two or more vehicles, fleet insurance could be right for you. There’s also no maximum on the number of vehicles in your business’s fleet.
Do I earn a No Claims Discount on a fleet insurance policy?
Generally, a fleet insurance policy is priced according to your claims history rather than attracting a claim-free discount. Our team will be happy to explain this in more detail.
Can I manage my policy online?
Depending on the provider, you will be able to manage your vehicles and drivers online.
How do I notify you of a claim?
We have a dedicated claims helpline, manned 24 hours a day, 365 days a year. Our claim team will handle your claim quickly, making sure your business keeps moving. Call us on 03452226319 to start the process.
Can I trust you?
We’ve been around for over 50 years with a dedicated fleet insurance team. We’re also authorised and regulated by the Financial Conduct Authority. Our Firm Register Number is 308508
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