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Written by Michael Foote, Insurance Expert
Does Aviva offer fleet insurance?
Yes, Aviva offers fleet insurance for businesses operating multiple commercial vehicles. The policy covers cars, vans, HGVs and specialist vehicles under a single contract. Aviva typically requires a minimum of three vehicles, though this varies depending on business type and risk profile.
Aviva structures its fleet policies to include comprehensive, third party fire and theft, or third party only cover. Businesses can choose named driver policies, where only specified individuals can drive, or any driver policies for greater flexibility.
Core cover included in Aviva fleet policies
Aviva fleet insurance includes standard legal protections plus optional extras. Base cover typically includes:
- Third party liability for injury or damage caused to others
- Fire and theft protection (depending on policy level)
- Comprehensive accidental damage cover (on fully comprehensive policies)
- Windscreen repair or replacement
- Legal expenses cover for motoring-related disputes
- Courtesy vehicle provision following an accident
Optional add-ons include breakdown assistance, goods in transit cover, and personal accident protection for drivers.
Who can apply for Aviva fleet cover?
Aviva accepts applications from limited companies, sole traders, and partnerships operating three or more vehicles for business purposes. The insurer assesses applications based on:
- Business type and sector
- Fleet size and vehicle types
- Driver profiles and licence history
- Claims history across the business
- Annual mileage and usage patterns
Businesses in construction, logistics, transport, and professional services typically qualify. Aviva may decline cover or adjust terms for high-risk sectors or businesses with poor claims records.
How to apply for Aviva fleet insurance
Submit applications directly through Aviva’s commercial insurance team or via a broker. You will need:
- Full business details including company registration number
- Vehicle registration numbers, makes, models, and values
- Driver names, dates of birth, and licence details
- Details of any claims or motoring convictions in the past five years
- Estimated annual mileage per vehicle
Aviva may request additional information such as risk assessments, driver vetting procedures, or vehicle inspection reports before issuing a quote. For more details, see what documents do you need to get fleet insurance.
What to check before buying
Before committing to an Aviva fleet policy, verify these points:
- Confirm the excess amount for each vehicle and driver
- Check if young or inexperienced drivers are excluded or subject to additional premiums
- Understand how mid-term changes are handled, such as adding or removing vehicles
- Review the claims notification period and reporting requirements
- Check whether hire and reward use is covered if you provide transport services
- Clarify if temporary or agency drivers are included under any driver policies
Request written confirmation of these details before signing. For guidance on making changes later, read how to add or remove vehicles from a fleet insurance policy.
Factors that affect Aviva fleet premiums
Aviva calculates premiums based on several risk factors:
- Number and type of vehicles in the fleet
- Age and market value of each vehicle
- Primary use (deliveries, passenger transport, construction)
- Driver ages, experience levels, and claims history
- Business location and where vehicles are kept overnight
- Annual mileage and operating radius
Businesses with established driver vetting processes, telematics systems, or safety training programmes may qualify for lower premiums. Learn more at what affects the price of a fleet policy.
Our Expert, Michael Foote, Says:
“Aviva fleet policies can be tailored to suit different business needs, but always ask for a breakdown of what is and is not covered. Many businesses assume all drivers are automatically covered on any driver policies, but restrictions based on age or licence type are common. Clarify this upfront to avoid issues later.”
How Aviva handles claims
Aviva requires all incidents to be reported within 24 hours, even if you do not intend to claim. The claims process involves:
- Contacting Aviva’s claims helpline with full incident details
- Providing supporting documents such as photos, police reports, or third party information
- Arranging vehicle repair through Aviva’s approved network or your own repairer
- Receiving a decision on liability and settlement within the timeframe outlined in your policy
Aviva may increase your premium at renewal if claims are made during the policy period. For advice on managing this, see how claims history affects your fleet policy renewal.
Alternatives to Aviva fleet insurance
Comparing quotes from other insurers can help you secure better terms or pricing. Other providers to consider include:
- AXA Commercial
- Zurich
- Direct Line for Business
- Allianz
- NFU Mutual
Using a broker or comparison platform allows you to review multiple options without contacting each insurer individually.
Get your fleet insurance quote today
If you are ready to protect your business vehicles, use the quote button below to compare Aviva and other leading fleet insurers. Quote Goat helps you find tailored cover at competitive rates, with no obligation to buy. Get your quote today and secure the right policy for your fleet.
