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What is Fleet Insurance?

HGV Cabin

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 vehicle 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  vehicle fleets.  For these companies a fleet policy can be more affordable than insuring each individual vehicle separately. 

What type of business can this type of insurance be used 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:

  • Courier.
  • Haulage
  • Private Hire
  • 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 vehicle to conduct their business.


Looking for business fleet insurance? We have partnered with QuoteSearcher who deal with a number of business fleet specialists. Get started by selecting the get quotes button below and complete a simple online enquiry 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 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  Read more about our multi van fleet insurance 


Commercial vehicles are often expensive to cover. You can get multiple quotes for your commercial vehicle insurance by clicking the get quotes button below and completing your details. Once you have all the quotes you can then spend time to compare the details within each policy to find the one that best covers your needs.


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


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 policy costs

 Compare motor fleet insurance from multiple UK brokers

Report All Accidents Quickly - No Matter How Minor

Fleet Types

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 policy renewal costs. 

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 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.  

Often overlooked, but the cost of your fleet plays a key role in determining your premiums , as such you may wish to consider buying cheaper vehicles or choosing vehicles 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.  

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 cover 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 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 or business policy.

Never Under Insure

Always check what is included in your 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 insurance 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 cover leaving yourself or your business under insured.

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 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.

Checklist to Saving Money on  Fleet Premium Costs

  • 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 as it will reduce admin costs 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.
  • Security - Add security devices approved by the UK insurance industry.
  • Increase the excess - Taking more responsibility for the costs of any future claims by increasing the policy excess amount will be rewarded by a discount on your annual premium. Before taking this route ensure that you will be able to afford to pay the excess should an accident happen.
  • Driver Age : Drivers under 25 attract a higher premium, if possible ensure all drivers are over 25.
  • Expert advice  –  Take advice from the insurance specialists when unsure of what you should include and the level of cover required.
  • Black BoxThe 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. 
  • Regular Service : Some accidents are partly the result of vehicles 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.
  • Named Drivers : If possible avoid any driver fleet insurance and choose named drivers if possible.

What is Telematics ?

 insurance telematic device

A small device is added to your vehicle that will record data on the driver. Typical things recorded include:

  • check
    Rate of acceleration and deceleration(braking)
  • check
    Driving speed
  • check
    How often 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 additional training to reduce sharp cornering. To ensure drivers acceptance involve them by possible awarding prizes for best drivers, or create driving teams that compete against each other. In some cases this approach has made significant reduction in claims, not only reducing insurance costs but also decreasing the time vehicles or drivers are off the road as a direct result of an avoidable accident.  

This information can also be used to plan quicker routes this coupled with safer driving will also reduce fleet fuel costs, which by itself is a significant running cost

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

How can telematics reduce your fleet premiums

Substantially  reduce the number of claims made against you fleet policy puts you in a strong position to negotiate your insurance costs. Why? The premium is partly based on the frequent or likelihood of your or your drivers making claims against the insurers or underwriters. The less claims the less 

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