Fleet Insurance

Generating quotes from FleetInsurance.com is easy. Using our special online smart forms, you can generate quotes from over 20 leading fleet brokers in as little as 3 minutes, just by entering some basic information:

Business or Personal Information - Well need to get some information about you and any others you want named on the policy. If insuring for business use, we’ll also need some information about your business activities.

Vehicle info – We’ll need to take some information on the vehicles you want to include under the fleet policy and for what they will primarily be used. Most fleet policies will allow you to add more vehicles at a later time but usually a minimum of three is needed to make it cost efficient.

Type of cover required – While most Fleet Insurance policies will cover any authorised driver, we’ll ask what other options you require such as breakdown cover or goods in transit cover.

All insurance companies will have exclusions of some description and its important to understand the limitations of your policy to avoid any unnecessary headaches later down the line. Unlike individual policies, most Fleet Insurance will not allow you to build up a no claims bonus, nor will it cover you in the event the vehicle is left unattended or theft by deception.

Fleet Insurance comes with a host of benefits. In a primary sense, having your entire Fleet covered with one provider, with one renewal date and one premium to pay will not only save you time but is also likely to save you money. The cost of insuring all vehicles separately would most certainly be more expensive overall. Insuring a minimum of three cars is necessary to see the cost benefits that a Fleet Insurance policy can offer.

In a general sense, Fleet Insurance covers all vehicles named on the policy against loss, damage, and theft. Depending on your policy, you may also have cover in the event of a breakdown, for personal property or for legal fees following an accident. Cover for the contents of a Van will usually have to be taken as an additional policy.

Fleet Insurance can cover multiple vehicles under one policy. This includes any number of cars, Vans, trucks, commercial vehicles, motorbikes, trailers, horseboxes, or campervans. The only exclusion here is that HGV’s will need to be insured on a separate HGV Fleet policy .

In short, yes. But this usually only applies if you are insuring three or more vehicles. For maximum cost benefits, its recommended that you use our online comparison tools to see what works best for your own individual circumstances.

In theory, a Fleet policy need only consist of two vehicles. Some insurance companies may require you to have a minimum of five vehicles to be classed as a fleet. In our experience, having three or more vehicles is needed in order to see the cost benefits.

When it comes to arranging Fleet Insurance, you’ll need to consider which class of use your vehicles fall into.

Social, domestic & pleasure
Social use allows you to use the insured vehicles for commuting to and from a single place of business as well as for leisure activities.

Class 1 Business use
Class 1 business use is defined as using the vehicle(s) for your business and professional purposes and allows you to travel during the course of the day to multiple locations.

Class 2 Business use
Class 2 business use is very similar to class 1 in the way that you can travel to more than one permeant location however, class 2 also applies to other drivers named on the policy.

Class 3 Business use
Class 3 use covers all other business activities including delivery drivers and other commercial travel. Class 3 also covers business activities such as the collection of money.

You will be able to choose from three main levels of cover when it comes to arranging a Fleet Insurance policy. However, it’s worth noting that some insurers will not allow you mix and match the cover levels for different vehicles while others may only offer fully comprehensive cover for the entire fleet.

Third Party Only
Third party only is the minimum level of cover required by law. It only covers the cost of damage, repair or replacement to other people, their vehicles, and their property. It doesn’t cover the cost to fix or replace your own vehicles or personal property

Third Party, Fire & Theft
Much the same as third party only but with the added protection from theft of your vehicles and damage cause by fire.

Fully Comprehensive
Fully comprehensive covers your vehicles in any eventuality, regardless of who was a fault. The insurance company will pay to repair or replace any vehicle in the fleet if its involved in an accident or subject to any kind of damage. This usually includes windscreen damage, theft form the vehicle and protection for personal property however, every insurance company is different, and you should always double check that you are adequately covered to the level you require.

Fleet cover is a fairly versatile insurance product. Depending on the requirements of you or your business, you’ll be able to add additional cover options to give you Fleet the protection it needs.

Breakdown Cover
Not usually included with Fleet Insurance cover but could prove invaluable to businesses to limit losses a vehicle needs roadside assistance

Goods in Transit Insurance
Additional insurance to cover any goods that are being transported from loss, damage, or theft while in transit.

Carriage of own goods
This can include cover for tools, plant machinery or other equipment being transported against loss, damage, or theft.

Hire & Reward
Covers delivery drivers when transporting goods that they don’t own in exchange for payment

Legal Cover
If you need to go to court following an accident, legal cover will help pay the costs.

Employers Liability
Required by law if you have employees and is sometimes included on other business insurance. Check to see if you’ll need to add it.

Public Liability
In the event you damage someone’s property or cause an accident, public liability insurance covers any compensation claims made against you or your business.