Fleet Insurance Quotes

Find a cheap fleet insurance policy that meets with your business or personal requirements

  • Multiple quotes from Specialist Brokers
  • UK and European Cover Available
  • Drivers under 25 & Breakdown Assistance
  • Complete one quick and easy form
  • Find the policy that meets your needs

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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 on your annual premium. This type of cover is flexible and can be used to insure 3 vehicles upwards. In addition the type need not be the same for example 2 cars and 1 van can qualify for fleet cover.

Many companies operate more than one commercial vehicle to operate their daily business. Delivery companies, construction companies, roofing companies, sales companies and taxi services are a few of many examples of commercial businesses that rely on motor fleets.  For these companies a commercial fleet insurance policy can be more affordable than insuring each individual motor on a separate policy.

commercial Fleet Insurance

Business fleet Cover for any business type

If you need more than one auto to operate your business, then most likely you will qualify for this type of cover, some of the most common business models include:

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


Looking for business fleet insurance? We have partnered with QuoteSearcher who deal with a number of business cover specialists. Get started by selecting the get quotes button below and complete a simple online inquiry form. Within minutes you will receive a multitude of quotes from top UK specialist brokers.


Need  multiple quotes for your multi car insurance ?We have partnered with QuoteSearcher whose partners can help by providing multiple quotes. Get started by selecting the get quotes button now!


Compare the cost to insure a small fleet of  vanscompany 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  Read more about our multi van fleet insurance 

Fleet of Lorries?

Looking to compare deals on lorry insurance fleets?  We can help you by submitting your lorry cover requirements to a select panel of leading UK specialists brokers that provide you with multiple quotes.

Fleet of Taxis?

The costs of multi taxi  insurance  can be expensive so it is best to shop around and compare the market to find the most suitable cover. Costs can potentially be reduced by careful selection of drivers for example hiring drivers that are over 25 with a clean licence which may reduce your annual premium.

Report All Accidents Quickly - No Matter How Minor

When an accident does occur no matter how minor it is  always important to advise your broker immediately. Failure to do so in thinking maybe 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 and vehicle storage fees. All of these most likely could have been either reduced or removed had your broker been informed at the time of the accident. 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. 

How do Reduce Commercial Fleet 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 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, such as any claims made and the frequency of payments made by the current underwriters to cover your claims. It will also show 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 alert your current broker that you are looking at alternatives give you some leverage to negotiate a better deal come renewal time.

Often overlooked, but the cost of your motors plays a key role in determining your premium, as such you may wish to consider buying cheaper vehicles or choosing ones that fall into the categories that attract lower premiums, which correlates to the initial vehicle price plus costs to repair. This is also true for family vehicle insurance policies.  

Can Ambient Intelligence Lower Premiums

The age of the autonomous vehicle is getting ever closer. The investment has brought many rewards, by making cars manufactured in recent years 2012 onwards safer. For example FCW which stands for full collision warning and alerts the driver that may have been distracted or even fallen asleep to take immediate action to avoid and avoidable collision. The strides in deep learning and in particular CNN that enable objects to be identified coupled with end to end learning has enabled many advances in vehicle safety a good example being lane keeper assistant LKA.  Many of these are referred to as having ambient intelligence, which means the safety mechanisms will step in to help only when required. These driving aids will help make fleet driving safer and reduce the human error element which is responsible for 94 percent of vehicle accidents in America. The big question is what impact will that have on your premiums, enhanced safety will translate into less risk for the broker and surely that will bring down costs. The answer to that question is still to be arrived at.

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.

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 yhat is will likely result in an increased policy excess.

Don't Over insure 

Always check what is included in your motor fleet policy as you may find that your have cover that your business does not need and removing any such items will bring down costs. Whilst over insuring means paying for something that you do not need be careful that you do not omit  cover that is required or skimp on the level of protection leaving yourself or your business under insured.

Types of  Cover Available

Third Party Insurance 

This is the legal minimum required within the UK and provides the following cover.

  • Covers you against liabilities from third parties including passengers
  • Damage to the property of the third party
  • Third party liability whist towing a trailer or caravan 

Third Party Fire and Theft Insurance (TPF&TFI)

  • Fire Damage
  • Theft
  • Damage to your auto as a result of theft 

Comprehensive  Insurance

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

  • Your medical costs
  • motor repair costs
  • Damage to your property

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

When purchasing cover for your motor 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 fleet insurance policy.

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Checklist to save money on fleet policy costs

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    New customers or renewal time  – Most brokers offer attractive introductory discounts for new customers, so it does pay to shop around at renewal time.
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    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.
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    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 premium costs.
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    Choose a flexible payment method – Most brokers are flexible on installment payment methods. These can be monthly, quarterly or semi annual and remember setting up a direct debit will make the process automatic.
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    Security Add security devices approved by the UK insurance industry.
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    Increase the excess Taking more responsibility for the costs of any future claims by increasing the policy excess amount will be rewarded by a policy discount. Before taking this route ensure that you will be able to afford to pay the excess should an accident happen.
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    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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    Black Box : The idea here is to show your insurer that you pose less of a risk because you or your drivers are considered safe drivers. Telematics data is extracted from the black box that records many things take for example how quickly and how often you break, speed , extreme or jerky steering.
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    Regular Service Some accidents are partly the result of autos that are not running 100%. For example a braking system that has been left unchecked. Pursuing a company wide policy of regular servicing alongside driver safety checks will help reduce accidents that are initiated by poor service management.
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    Named Drivers : If possible avoid any driver fleet insurance and choose named drivers if possible.
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    Discounts for truck fleet cover – Put all your motors under one multi fleet policy as it will reduce admin costs and also reduce your annual premiums.
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    Driver Age : Drivers under 25 attract a higher premium, if possible ensure all drivers are over 25 or better still over 30.