Fleet Insurance Quotes UK

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Compare fleet insurance

Compare Fleet Insurance is a comparative website that provides you with multiple quotes for fleet insurance or multi car insurance. Comparing deals available on the marketplace is the first step in shopping for a good deal. By completing one simple online form you will have access to multiple fleet insurance quotes from a panel of fleet insurance brokers. This type of cover is not only popular with fleet managers, but also business startups and new ventures.

Fleet insurance provides cover for all your commercial motors under one easy to manage policy. This type of cover is flexible and can be used to insure 2 or more vehicles. A mix of vehicles can be included for example cars, vans and lorries. Fleet insurance quotes are available for personal household fleets and small or large business fleets.  

Types of fleet insurance available

If you need more than 1 vehicle to operate your business, then most likely you will qualify for fleet cover, some of the most common business models include:

  • Sales Companies
  • Construction industry
  • Taxi Service providers
  • Small family fleets
  • Short and Long Haulage
  • Private Hire
  • Food Delivery Services
  • Taxi Service providers

In practice any business that has two or more vehicles can apply for motor fleet insurance. Families with multiple cars can take advantage and apply for family fleet insurance.

HGV Fleet cover

  • HGV cover  We work in partnership with QuoteSearcher so you can  compare quotes from multiple fleet insurance brokers making sure that you get a wider selection of cover options.  

Van Fleet cover

  • 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 get quotes button and receive quotes from specialist brokers. Read more about our multi van insurance and how it can lower your insurance costs.

Multi-car insurance

  • Find out more about multi car insurance and how it can be used to save money on your insurance bills. We have partnered with QuoteSearcher whose partners can help by providing multiple quotes

Fleet breakdown cover

  • Find out more about fleet breakdown cover and how it can be used to provide breakdown cover to keep your fleet mobile.

Taxi fleet insurance

  • Taxi fleet cover is a popular product and is essential for a growing taxi firm.

Key Benefits of fleet insurance ?

  • Easier to manage
  • In general with these policies, new employees are covered without having to notify the broker
  • Fleet insurance should work out cheaper than taking out individual policies, but there are exceptions especially for small fleets.

Levels of Fleet Cover available

Comprehensive Cover

Also termed "fully comp" this is the highest level of cover and includes the following:

  • Damage to any third party vehicle
  • Fire and Theft
  • Damage caused during theft
  • Liability for injuries to passengers and others
  • Damage to third party property
  • Damage to your vehicle resulting from an accident.
  • Medical cover for anyone involved in the accident
  • Loss or damage to personal effects , normally capped at a fixed amount ( see your policy details )

Third Party Fire & Theft

Third party is the legal minimum with fire and theft being an added optional. This may be a cost effective approach for large commercial fleets that can make it cost effective to partly self insure. This level of cover is less expensive, but that is reflected in the level of cover provided. 

  • Damage to a third party vehicles
  • Fire and Theft
  • Damage caused during theft
  • Liability for injuries to passengers and others
  • Damage to third party property

Third Party Only

  • Damage to a third party vehicles and property
  • Liability for injuries to passengers and others

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Typical exclusions in a fleet policy

Be aware that most policies will have conditions that will exclude you making claims. These may include:

  • Vehicle theft due  to your negligence.
  • Damage to tyres or body underside.
  • Mechanical breakdown.

When purchasing cover take time to consider other aspects, for example, does it include cover for driving in Europe? Will you need breakdown cover or goods in transit(GIT)?  These are all important questions that should be considered prior to the purchase of your  policy. 

On some items such as windscreen repair and breakdown cover it may be cheaper to deal directly with a nationwide service provider. This may also be the case for fleet windscreen cover.  

Who is able to drive on a fleet policy?

Standard vehicle insurance is normally limited to one driver or named drivers. However, fleet insurance policies normally offer any driver insurance as standard. This gives greater flexibility and lets you easily replace one driver at short notice. This type of policy is also called a multi driver fleet policy. 

It is worth noting that if your business model only requires named drivers then requesting named drivers will likely reduce your annual premium.

Reducing fleet insurance cost

Fleet insurance cost will depend on a number of factors. For some of these you can take steps to reduce the cost of fleet insurance. We have highlighted some of these in the section below.

  • Always advise your broker immediately of any accident
  • Reduce the number of claims that you make 
  • Select vehicles that attract lower premiums
  • Select drivers over 25 with a clean driving history
  • Secure your vehicles overnight
  • Add tracking devices
  • Increase the excess premium
  • Keep your Vehicles maintained

This a practical driving test introduced by the UK government that takes at least 6 hours. Some brokers will offer a discount if your drivers have passed this test. Doing some online research will help you find other ways to reduce the cost of fleet cover.

Remove unnecessary extras

Always check what is included in your insurance policy. Remove any cover that your business does not need. At the same time you need to be careful that you don't omit cover that is required. Be sure to take out a good level of cover for the items listed below.

  • Your medical costs
  • Vehicle repair costs
  • Damage to your property
Fleet motor insurance

Pay annually rather than monthly installments

In most cases it will slightly cheaper to pay for your insurance premium in one lump sum, as opposed to weekly or monthly payments. If you can afford it to pay annually as one payment, this should qualify you for a small discount.

Monitor your claims history

This is kept by your broker and is a record of all claims made by your company. Request a copy from your broker and analyse for trends. Example a particular type of accident or multiple claims by one driver. Take action by providing your employees with additional training. The correct type of training will reduce your claims and should bring down your policy cost.

Secure your fleet vehicles

Can you improve security by providing overnight secured parking. If not secure parking can you add additional lighting to deter theft. Speak with your broker on other measures that they recommend to reduce vehicle theft or damage by vandalism.

Restrict you fleet insurance to named drivers

If  you can restrict your policy to named drivers this will reduce your premium. An any driver fleet policy is great for flexibility, but does come with additional costs. Try and restrict to named drivers as this will work out cheaper. Drivers are an important factor in determining your fleet costs, if possible also consider the following:

  • Drivers age : your drivers particularly under 25 are seen as high risk and will increase your premium, If possible drivers should be aged 25 or over.
  • Drivers driving history : Drivers with a clean history will not increase your premium, but if you have drivers with a history of claims this will increase your insurance costs. Employ drivers with a clean history and provide additional training to keep a good history of low or no claims

Compare fleet policies

In order to make fair comparisons it is important to identify which core elements that you wish to be standard in your policy. Next look at any additional types of cover that you wish to have included, for example breakdown cover. Taking this approach will help ensure that your quotes include only the items that you need. It should also make it easier for you to compare the offers that you receive. We have listed the key areas of comparison below:

  • The excess amount
  • Any driver age restrictions
  • Policy flexibility, by this we mean can you easily make changes once your policy goes live. This can be very useful for an expanding business.
  • How you will benefit at renewal time if you can keep your policy claims low 
  • Will a replacement vehicle be provided if needed.

Compare Fleet insurance quotes 

We understand that a standard policy may need altered to meet your specific needs. As such we allow you to tailor your policy to include only what you need and exclude items that are unnecessary. Compare Fleet works in partnership with QuoteSearcher who provide a simple form which once completed is submitted to a specialist panel of brokers. These brokers will be in contact via the telephone to provide you with quotes on your motor fleet insurance

Compare Fleet  Insurance

Protect your fleet today. Compare quotes from multiple brokers