Fleet Insurance Quotes UK
Protect your fleet today. Compare quotes from multiple brokers.
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.
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:
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
Van Fleet cover
Multi-car insurance
Taxi fleet insurance
Levels of Fleet Cover available
Comprehensive Cover
Also termed "fully comp" this is the highest level of cover and includes the following:
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 makes it cost effective to partly self insure. This level of cover is less expensive, but that is reflected in the level of cover provided.
Third Party Only
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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:
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) cover. 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 direct 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.
Informing your broker of any accidents immediately is of paramount importance. You may have been involved in a minor accident with minimal damage. For example, if you fail to inform your broker the other party may lease a replacement vehicle whilst the vehicle is being fixed. You broker may have secured special rental rates for such circumstances, but you failure to notify will increase the final cost.
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.
One way to find the best price is to shop around. You can get started by using the quote option below and compare a range of policies.
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.
Pay annually rather than in instalments
In most cases it will slightly cheaper to pay for your insurance premium in one lump sum, as opposed to weekly or monthly installments 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 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 an 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:
Use technology to bring down insurance premiums
Tracking your fleet
With the internet of things, your fleet vehicles can now be easily tracked online 24/7. After an upfront investment in tracking devices you stand to be rewarded by ongoing lower premium costs.
Reduce your fleet insurance by using telematics devices
Telematic devices sometimes collects data on the driver. This data can determine if the driver is a safe driver. It will gather data that would include driving speed, braking( how often and severity of braking), length or time spent driving. The data can be anaysded to termine how safe a driver is and this will then be reflected in any future insurance quote.
Install dashboard cameras in your fleet
Dashboard cameras will protect you against fraudulent claims and will help reduce your number of claims. Fewer claims equate to a lower premium quote come renewal time.
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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:
About Compare fleet Insurance
Comparefleetinsurance.co.uk is a leading comparative comparison service that provides quotes from a panel of insurance providers. We specialise in providing quotes for fleet insurance and multi car cover by completing a simple quote request form.
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