Fleet Insurance FAQ

Fleet insurance is a single policy that covers two or more business vehicles under one plan. Instead of insuring each vehicle separately, fleet insurance makes it easier to manage renewals, claims, and driver flexibility — with potential cost savings and simplified admin.

It’s ideal for businesses with vans, cars, trucks, or a mix, used for business operations.

Fleet insurance is suitable for:

• Courier & logistics companies
• Construction firms with multiple vans
• Taxi & private hire companies
• Sales and field service teams
• Utility companies
• Transport & removal businesses
• Any business operating 2+ commercial vehicles

Even small businesses with just two cars or vans can benefit from fleet cover — especially if drivers rotate.

We can cover most vehicle types used for business purposes:

• Cars (including exec/rep cars)
• Vans & pickups
• HGVs & trucks
• Taxis or private hire
• Refrigerated vehicles
• Specialist or modified vehicles
• Electric and hybrid models

Mixed fleets are welcome — we’ll tailor the policy to suit your setup.

• Named Driver Fleet Insurance: You assign each driver to specific vehicles. Often cheaper, but less flexible.
• Any Driver Fleet Insurance: Any authorised employee can drive any vehicle. Easier for large or shifting teams but typically costs more.

We’ll help you choose what fits best based on your driver pool and risk appetite.

Standard fleet insurance options include:

• Comprehensive Cover – Damage to your vehicles and third-party claims
• Third Party, Fire & Theft – A more limited but still protective option
• Third Party Only – Legally required minimum

Optional extras:

• Breakdown Cover
• Windscreen & glass protection
• Legal expenses
• Goods in Transit (if transporting items)
• Trailer Cover
• European Use (if you operate cross-border)

No — that’s the benefit of fleet insurance. You’ll have one policy, one renewal date, and a consolidated schedule. It saves time, reduces paperwork, and may unlock better premium rates than individual policies.

Fleet policies are usually flexible and adjustable. You can add or remove vehicles mid-term, with a pro-rata adjustment to your premium.

Some policies also operate on an open-fleet basis, allowing for fast changes without paperwork delays.

Yes, but age limits vary. Some insurers apply higher excesses for drivers under 25. We’ll work with you to ensure your fleet policy reflects your actual driver profile — without unnecessary restrictions.

Fleet premiums are based on:

• Number and type of vehicles
• Driver ages and claims history
• Vehicle usage and mileage
• Security features and overnight parking
• Business sector and operating locations

We shop the market to get you the best terms from leading UK fleet insurers.