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  • UK and European Insurance Cover
  • Cars, Truck, Vans, Bikes , any Vehicle type
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What is Fleet Insurance?

Fleet insurance enables you to purchase cover for all your commercial motors under one easy to manage policy. This type of cover is flexible and can be used to insure for example:

  • 2 or more cars
  • Cars,Vans and Motorbikes
  • Commercial fleets HGV, LGV, Vans and Cars  
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    Any Driver or Named drivers
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Typical Business Types That a Motor Fleet Insurance Policy is Suitable for

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:

  • Delivery/ Courier companies
  • Sales Companies
  • Construction industry
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    Taxi Service providers
  • Short and Long Haulage
  • Private Hire
  • Food Delivery Services
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    Taxi Service providers

In summary, practically any business that relies on a fleet which is more than one vehicle to conduct their business can take advantage of this type of cover. Apart from business use families with multiple cars can also apply for family fleet insurance which should be both cheaper and easier to manage than separate policies.

Types of Motor Fleet Insurance Available

  • 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
  • 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 fleet insurance.
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    HGV Fleet cover is now available online. We compare multiple UK brokers online in minutes making sure that you get a wider selection of cover options for your heavy goods vehicles.
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    Taxi fleet insurance

Some steps to reduce Insurance Costs

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

What is Driver Risk Assessment?

By law your business must carry out a risk assessments. In the case of a new driver you need to check the drivers experience and provide any additional training required. The additional training should enable the new driver can carry out any driving duties without making mistakes or causing accidents that could have been avoided. One way to view risk assessment of new drivers is as a means to reduce accidents and in the process reduce avoidable costs.

Get the Governments Pass Plus Certificate

This a practical driving test introduced by the UK government that takes at least 6 hours. Check with any perspective insurance broker 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.

Don't over insure

Always check what is included in your policy as you may find that your have cover that your business does not need. Removing any such items will bring down costs. At the same time you do not need to be careful that you do not omit cover that is required or skimp on the level of cover leaving yourself or your business under insured.

Comprehensive Insurance

Also termed "fully comp" this is the highest level of cover and includes the above, but also covers your personal or business costs resulting from an accident. 

  • Your medical costs
  • Fleet vehicle repair costs
  • Damage to your property

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 or goods in transit cover to be included? These are all important questions that should be considered prior to the purchase of your sole trader or company policy. 

On some items such as windscreen repair and breakdown cover it may be cheaper to deal direct a nationwide service provider than add direct to your company fleet insurance policy.

Can telematics reduce your fleet policy premium?

insurance telematic device

A small device is added to your vehicle, that will record driving habits. Examples of driving data recorded.

  • check
    Rate of acceleration and deceleration(braking).
  • check
    Driving speed.
  • check
    How often and how severe the driver brakes.
  • check
    Steering data, example sharp cornering.

This type of data enables the fleet manager to identify areas in which driving can be improved, by simply providing additional training. To help get your drivers on board try some of the suggestions below:

  • Awarding prizes for best driver.
  • Create driving teams that compete against each other.

Some of The Rewards That Can Be Achieved

  • Significant reduction in claims.
  • decrease the time vehicles are off the road for accident repair.
  • information can also be used to plan quicker routes.
  • safer slow driving will also reduce fleet fuel costs,which by itself is a significant running cost saving.

All our intelligence suggests that monitoring by telematics is increasingly accepted . . . as a fact of life and the benefits more fully understood,

Ralph Morton, editorial director of Business Car Manager

Telematics can reduce your premiums

Telematics can reduce your insurance premiums by substantially reduce the number of claims made against you fleet insurance policy. This puts you in a strong position at renewal time to leverage to negotiate a reduction in your fleet costs. How? The premium cost is partly based on the number of claims that have been made against your current or previous policy.