Compare Fleet Insurance
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Why Use Us For Fleet Insurance?
Cover for varying vehicle types- Commercial or private fleet insurance policies
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What Is Fleet Insurance?
Fleet insurance covers two or more vehicles under a single policy, making insuring numerous vehicles easier to manage. Fleet insurance cover can provide protection for different vehicles, such as cars, vans, motorbikes, pick-ups, lorries/trucks, taxis, minibuses and other business vehicles. If families or businesses have more than one vehicle, fleet insurance could be ideal.
How to Compare Fleet Insurance Properly
Although fleet insurance is often described as complex, insurers are really trying to understand three main things: the business being insured, the vehicles on cover and the person responsible for the policy. Although we still do not see online quote and buy systems for fleet, they are going to arrive soon. In the meantime, we are able to connect you with a panel of leading providers.
Step 1: Business Details
This section covers your company name, trading address, business established date and the nature of your business.
Insurers use this information to understand how long the business has been trading, how stable it is, and what type of risk it represents. In our experience, trading history alone can influence whether certain insurers are willing to quote, even when the vehicles remain unchanged.
One common issue we see is businesses being too vague about what they do. Accurately describing your day-to-day activities helps avoid delays and follow-up questions later in the process.
Step 2: Vehicle Details
This stage focuses on the vehicles themselves, including vehicle types, claims and no claims bonus history.
For most fleets, this is where pricing moves the most. Insurers look beyond vehicle value and pay close attention to how vehicles are used and how the fleet has performed historically. Mixed fleets of cars and vans, for example, are often assessed differently to single-type fleets.
As well as this, driver details will need to be collected over the phone, including data such as your youngest driver and any criminal convictions.
We often see business owners assume lower-value vehicles automatically mean lower premiums, when in reality usage patterns and claims history tend to matter more.
Step 3: Policyholder Details
This final step captures the proposer’s details, including name, telephone number and email address.
Fleet insurance cannot be properly arranged without a responsible individual attached to the policy. Insurers are regulated and need a real point of contact to confirm terms, excesses and any conditions applied to cover.
In practice, after submitting the form, most fleet owners are contacted by one or two relevant providers. The aim is usually a short conversation to confirm details, collect any additional information that is required and could not be captured on the quote form (to complete the insurance providers’ risk capture) and ensure the policy accurately reflects how the fleet operates.
What types of fleet insurance cover are available?
As with standard car insurance, three types of cover are available: third party only, third party, fire and theft, and comprehensive fleet insurance. Comprehensive provides the highest cover for yourself, your vehicle and third parties.
- Third-Party Only Coverage: This is the minimum legal requirement of insurance any driver needs to have in the UK. It covers liability for injury to others and third-party damage to property.
- Third Party, Fire & Theft Policy: This policy covers fire damage, theft of vehicles or possessions and damage to fleet vehicles during theft.
- Comprehensive Fleet Insurance Policy: A comprehensive policy provides the highest cover for yourself, your vehicle and third parties. It can offer protection you even if your drivers are at fault.
What are the benefits of fleet insurance policies?
Fleet coverage offers a broad range of benefits, such as:
- Central management: One fleet insurance policy for multiple vehicles makes it easier to manage.
- Affordable price ranges: Fleet insurance can be more cost-effective than insuring a single vehicle, especially for larger fleets.
- Quick policy updates: Include new employees in the cover without notifying the insurance provider. However, this varies between policies and will need to be checked by you.
- Driver flexibility: Insure multiple drivers, providing protection while operating your business vehicles.
Why compare insurance quotes to cover your fleet?
Comparing quotes from a panel of fleet insurance providers makes it easy to gather multiple quotes through one form. Prices can vary significantly in the insurance market between insurance providers, so it pays to compare quotes. Equally, when the time comes to renew, loyalty doesn’t pay. You may find you can significantly save on the cost of fleet insurance for your company vehicles by reviewing your options and switching fleet cover providers.
Tips to reduce the cost of fleet insurance premiums
Decide who is on your fleet insurance policy
Adding experienced drivers without motoring convictions will help keep the cost of cover down since the drivers on your policy will have demonstrated they are less risky. It may be worthwhile looking at insuring a convicted driver(s) on a separate policy; you can discuss this with the insurance provider. If applicable, insuring only named drivers can also help keep costs down too.
Enhance your security & technology on all your vehicles
Discuss with your insurance provider whether adding dash cams, tracking/immobilisers, black boxes, alarms & a secure location for your vehicles could help lower your costs. Remember that black boxes are great for many drivers; however, they may not suit everyone, for example, if you drive a lot at night. If they aren’t suitable for your situation, you may want to buy insurance without a black box.
Choose to make annual payments instead of monthly payments
When you pay annually, you will not have interest charges. This significantly reduces your overall costs. So, if you can afford to pay annually, you should do so. It can be easier to manage your cover with one renewal date. Although many businesses opt for monthly payments to help with cash flow.
Offer drivers extra training
You can send your drivers to take a course or hire in-house driving coaches. Better-trained drivers will lead to safer roads and reduced premiums. They’d be equipped with the skills to perform various safety manoeuvres and avoid accidents, thus reducing the need to make claims.
Find the best motor fleet insurance quote for your private or business vehicles in minutes. Compare fleet insurance options via Quote Goat today.
Types Of Fleet
Whether you transport passengers, deliver goods, managing company cars for office workers or run a farm, having your vehicles on one policy can make it easier to manage and ensure all of your vehicles are properly protected as required by law. Some common fleet types that use our site include:
Coach and bus fleets
Covering private hire coaches, public transport, tour buses, schools and charities.
Commercial fleets
Businesses using multiple vehicles, such as sales teams, service providers and engineers.
EV fleets
For businesses that have switched to their full fleet or part of it to electric vehicle.
Lorry fleets
Coverage for HGVs, logistics companies, refridgerated vehicles and more.
Minibus fleets
Schools, charities and other transport services,
Taxi fleets
For taxi companies with multiple vehicles such as a minicab firm.
Van fleets
Ideal for businesses such as builders, contractors, delivery services, utility repairers and more.
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Frequently Asked Questions
Do I need a fleet policy by law?
Although it isn’t a legal requirement to take out a fleet insurance policy for your work vehicles, insuring them separately under business insurance policies will be much more costly than having them all covered under one single policy.
Who can be covered by a fleet policy?
Fleet policies usually provide cover for any driver as a standard. However, you may save money by naming all drivers, meaning that only named drivers can use your fleet vehicles.
Policies vary significantly between insurance providers, and it is essential that you thoroughly check your insurance policy documents. You may, for example, be offered cheap fleet insurance quotes by only insuring drivers over the age of 25 on your fleet.
How many vehicles can I insure?
There is generally no limit to how many vehicles a business can include on a fleet policy. Vehicle fleet policies usually range from 2-3 vehicles, anywhere up to 500 vehicles, depending on the company’s size. It is important to shop around to find the best policy for all your vehicles. Different providers have separate offers for their fleet cover.
Is breakdown cover included with a fleet insurance policy?
There are policies that definitely include breakdown cover and a whole host of additional cover options – from windscreen cover to public liability insurance. Policies are usually tailor-made on an individual basis, as each business will have different insurance needs.
What extras can I add to my fleet insurance policy?
There are a range of optional extras you can choose to up the level of cover. Further protect your employees and vehicles in your fleet with:
- Legal expense cover: This insurance policy helps to cover legal fees in the event of a legal battle with high legal costs.
- Liability cover: Employers liability insurance will protect you should accidents occur in the workplace or on the job.
- Goods-in-transit cover: This fleet insurance covers the goods you’re transporting from damage or, in certain cases, from theft. This would be an appropriate cover for couriers or removal companies.
- Personal belongings cover: Most policies will include some sort of cover that allows you to claim if your insured drivers lose their belongings while on the job.
What businesses will fleet insurance cover?
A fleet policy is available for any business that requires a number of vehicles and different drivers to be on one policy. This includes private hire, haulage, transportation and courier services.
Is fleet insurance just for businesses?
No. Fleet insurance is more than just commercial insurance. This type of motor insurance can be taken out privately by large families or households with multiple vehicles — if your provider offers this. Fleet insurance is also known as multi-car insurance, mini fleet insurance, family fleet insurance and more.
How many cars are considered a fleet of vehicles?
What qualifies as a benchmark for a fleet varies from one insurance provider to another. Some insurance providers would state that you’ll need at least five fleet vehicles, while others would say two or more vehicles. It all depends on the number of vehicles as set out by your chosen fleet insurance provider.
Is fleet insurance suitable for a small business?
Small businesses and medium-sized enterprises with multiple vehicles can benefit from fleet insurance. Motor fleet coverage provides a cost-effective and convenient way to insure all company vehicles under one policy. Whether you have just a few cars or a growing fleet, small business fleet insurance helps simplify management, reduce administrative hassle, and often offers discounts compared to insuring vehicles individually.
What vehicle types can be included in a fleet policy?
Fleet policies can cover a wide range of vehicles and some policies allow multiple vehicle types on one policy. Although this is not an exhaustive list, fleet insurance is available for: cars, vans, lorries, construction and agricultural vehicles, emergency vehicles, taxis, minibuses and more.
How much does fleet insurance cost?
The exact amount depends on several factors related to the nature of your business and the levels of cover you need. Here’s a list of key features that affect the cost of your policy:
- The types of vehicles you use for business: High-value cars can push up the price of your insurance policy as they cost more to insure.
- The number of vehicles you need to insure: More vehicles on one policy can increase the price, but you’ll be paying less per vehicle overall.
- Your company’s claims history: Less or no claims can be helpful to reduce the amount paid for fleet insurance policies.
- Driver risk profile: Employing a driver with points on their licence can increase the price of your insurance premiums.
