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What Is Fleet Insurance?

Fleet insurance covers two or more vehicles under one policy, making insuring multiple vehicles easier to manage. Fleet insurance coverage can provide protection for any combination of 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.

What are the benefits of fleet insurance policies?

Central management: One fleet insurance policy for multiple vehicles makes it easier to manage.
Affordable price ranges: Fleet insurance can be cheaper than insuring vehicles individually, 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 multiple cars owned by your business.

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.

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 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 insurance for your company vehicles by reviewing your options and switching fleet insurance providers.

Tips To Reduce Your Premium

Decide who is on your fleet insurance policy

Adding drivers with clean licenses 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 help keep costs down too.

Enhance your security & technology

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. Bear in mind 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, which can significantly add to your overall costs. So, if you can afford to pay on an annual basis, you should do so. 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 fleet in minutes. Compare fleet insurance options with Quote Goat today.

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 can often get cheaper cover by naming all drivers, which would mean 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 the amount of vehicles a business can include on a fleet policy. Policies usually range from 2-3 vehicles anywhere up to 500 vehicles, depending on the size of the company. It is important to shop around to find the best policy for all your vehicles. Different providers have separate offers for the amount of vehicles you need to cover.

Is breakdown cover included with a fleet insurance policy?

There are policies out there that definitely include breakdown cover as well as a whole host of additional cover options – from windscreen cover to public liability insurance. Policies are usually tailor-made to fit each individual plan, as each business will have separate requirements for its fleet.

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.

The safest thing to do is check with your insurance provider and confirm exactly what the policy covers. Ultimately, you need to choose the add-ons that create the best fleet insurance for your requirements.

What businesses will fleet insurance cover?

A fleet policy is available for any business that requires a number of vehicles to be on one policy including 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.

How much does fleet insurance cost?

The exact cost of your fleet insurance depends on several factors that relate to the nature of your business and the levels of cover you’re trying to take out. Here’s a list of factors that affect the cost of your policy:

The types of vehicles you use for business: For instance, high-value vehicles 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.

The easiest way to find out the potential costs involved with taking out fleet insurance for your business is to perform a fleet insurance comparison. Here at Quote Goat, we offer an easy-to-use platform. Simply complete the required form and review different fleet insurance quotes online from multiple insurance providers.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat with over 13 years of experience in finance, insurance, and currency sectors. Since launching Quote Goat, he has appeared on TV and in major online publications, including Forbes, The Telegraph, and The Metro. Prior to Quote Goat, he worked for firms such as HSBC.