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One Answer Insurance
nova fleet insurance
first insurance solutions
Business Insurance Service
Simply Insurance

What is Fleet Insurance?

Fleet insurance enables you to purchase cover for all your vehicles from one broker which is normally rewarded with a discount. This type of cover e is flexible and can be used to insure 3 vehicles upwards and the vehicle type can be mixed, for example 2 cars and 1 lorry can be covered by fleet insurance.

Many company types require a fleet of commercial vehicles to operate their business. Delivery companies, construction companies, sales oriented companies and taxi services are just a  few examples of  commercial businesses that rely on a fleet of vehicles.  For these companies a fleet insurance policy can be more affordable than insuring each individual vehicle separately with a separate policy.

What type of business can this type of insurance be used for ?

If you need a fleet of vehicles to conduct your business then most likely you will qualify for fleet cover, some of the most common business models include:

  • Courier.
  • Haulage
  • Private Hire
  • Social and domestic if this in addition to business use.
  • In summary practically any business that relies on a fleet which is more than one vehicle to conduct their business.

Family 


Looking for the best family fleet insurance? Start by comparing the market to get the lowest possible price on your family automobiles. Get started today by select the quick quote button and completing a simple online inquiry form. Within minutes you will receive a multitude of quotes from the top UK specialist brokers. 

Motor 


Need  multiple quotes for your multi car insurance We can help by providing multiple quotes with 20 plus top UK insurance brokers within minutes of completing the online enquiry form. Get started by selected the quick quote button now!

Van 


Compare the cost to insure a small fleet of  commercial vans, company cars, trucks, minibuses and many more vehicle categories including multi cover options. Select the quick button and receive quotes from top UK insurers that include Zurich and Allianz plus many more. Read more about our van fleet insurance 

Commercial


Commercial vehicles are often expensive to cover. We advise getting multiple quotes for your commercial fleet insurance as a starting point. Then spend time to compare the details within each policy to find the one that best covers your personal or business needs.

Lorry 


Looking to compare deals on lorry insurance for fleets  cover from multiple UK  brokers ?  We help you by submitting your auto cover requirements to a multitude of top UK specialists brokers that provide insurance policies for lorry fleets.

Taxi 


Taxi insurance fleet protection  online can be  expensive so it is best to shop around and compare the market to find the lowest priced cover available. Costs can be reduced by careful selection of drivers for example hiring drivers are over 25 and conviction free should reduce your annual policy costs.

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Report All Accidents Quickly - No Matter How Minor

Fleet Types

When an accident does occur no matter how minor always advise your insurance broker immediately. Failure to do so maybe thinking that the other party will not take action may well result in a hefty bill some time later for such things as a replacement vehicle ,  solicitor costs, vehicle storage fees. All of these most likely could have been either been reduced or removed had your broker been informed at the time of the incident. The end result could be a claim that is significantly higher that it would have been had the incident been reported in a timely manner. Remember your policy costs are partly based on your claims history, as such  it makes sense to take all steps to reduce your actual claims and thus keep a lid on future renewal costs for your fleet policy.

A few Top Tips to Reducing Multi Auto Insurance Costs 

Do you know your fleet’s claims performance?

Start by asking your current broker for a copy of  your fleets authenticated claims experience. When you ask for a copy from your current underwriter it will start a ball rolling leading to possibly reduced premiums come policy renewal time. You may be asking what is it? Within the fleet insurance industry it is a standard form that details information on your fleet's performance over a period of 3 years (or less if the business is new). The form contains all the details of each vehicle in the fleet, such as any claims made and the frequency of payments made by the current underwriters to cover your claims, plus any claims that may still be pending. This form will also be requested by any future underwriter and by just asking you can be sure it will set in motion concerns of losing your valuable business and most likely to a reduced quote for your renewal policy premium.  

Get the  Governments Pass Plus Certificate

This a practical driving test engineered by the UK government that takes at least 6 hours. Check with any perspective insure if they offer a discount for having gained this certificate, not all insures offer this discount so do shop around to find the ones that do.


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Types of Cover Available

Multi vehicle insurance like singular vehicle insurance can be third party only which is the minimum legal requirement to drive on the UK road system. An extra level of protection that will also include fire and theft can also be purchased in addendum to the basic third party cover. The highest level of cover includes the previously mentioned, but also covers your personal or business costs resulting from an accident. When purchasing cover for your vehicle fleet do take time to consider other aspects, for example does it include cover for driving in Europe or further abroad, do you require breakdown cover to be included or goods in transit cover? These are all important questions that should be considered prior to the purchase of your annual or monthly insurance.


FAQ - Who Can Drive ?

This is a frequent question. You will find that most fleet policies are usually arranged on an Any Authorised Driver basis which means that anyone can drive with the permission of the company/directors. However discounts can apply if you start to restrict to named drivers or based on age (e.g. Any Driver over 30). If you include young drivers under 25 is likely to result in an increased policy excess.

HGV  & Business Fleets


HGV Fleet insurance is now available online. We compare multiple UK brokers online in minutes thus making sure that you get the a wide choice of cover options for your heavy goods vehicles.

Business Fleet insurance has just been added to the range of fleet cover options available online. 

Checklist to Saving Money on the Cost of your Fleet premium

  • New customers or Renewal Time  – Most brokers offer attractive introductory discounts for new customers, so it does pay to shop around at renewal time.
  • Reduce your annual  mileage  – If possible agree a cap on your fleet mileage with your underwriter or broker.  Reducing time on the road will also reduce the risk and thus cover costs.
  • Discounts for truck fleet cover – Put all your vehicles under one multi fleet policy, it will reduce admin and also reduce your annual premiums.
  • Build a history of no claims discounts – This can play a big factor in reducing fleet cover costs so work at reducing the number of claims which should result in significant savings on your annual or monthly insurance costs.
  • Choose a flexible payment method – Most brokers are flexible on installment payments methods. These can be monthly, quarterly or  semi annual and remember setting up a direct debit will make the process automatic. 
  • Expert advice  –  Take advice from the insurance specialists when unsure of what you should include and the level of cover required.

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7 Ways to Reduce Fleet Operating Costs
The rising costs of fuel compounded by the depreciation of the British pound against the US dollar are expected to further increase fleet operating costs in the United Kingdom. It is not surprising that companies are looking for different ways to lower the costs of maintaining a fleet. If you’re a business owner concerned about this development, or you are in charge of managing your company’s fleet, you might want to follow the following tips to reduce your fleet operating costs:
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