Fleet Insurance
Compare fleet insurance quotes from leading UK brokers to find the right cover
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How comparing works
Prices can vary significantly between fleet insurance providers, so gathering several quotes through one form lets you see the differences before you choose.Compare Fleet Insurance Quotes In 3 Steps
Complete the form
Provide details about you & your vehicles
Compare prices
Compare prices & policy features
Choose cover
Purchase cover from your preferred provider
What is fleet insurance?
Fleet insurance covers two or more vehicles under one policy, which makes the cover easier to manage than a separate policy for each vehicle. It can cover any combination of cars, vans, motorbikes, pick-ups, lorries and trucks, taxis, minibuses and other vehicles, and it is available to both businesses and families.
Having one central policy means fewer renewal dates and documents to keep track of. Fleet insurance can also be cheaper than insuring each vehicle individually, especially for larger fleets. Some policies let you add new employees as drivers without notifying the insurer, but this varies between policies and you will need to check your own terms.
Fleet insurance is available for any business that needs a group of vehicles, including private hire, haulage, transportation and courier services.
How much does fleet insurance cost?
There is no single price for fleet insurance. The cost depends on the number and type of vehicles, who drives them, their driving records, the level of cover you choose, the security fitted to the vehicles and where they are kept. Prices can vary significantly between insurers, which is why comparing quotes from a panel matters.
Fleet insurance can work out cheaper than insuring each vehicle separately, particularly for larger fleets, and insurers often offer a lower price if you name all drivers or restrict cover to drivers over 25. Paying annually rather than monthly avoids interest, which can add noticeably to the overall cost.
What types of fleet insurance cover are available?
As with standard car insurance, fleet policies come in three levels of cover, and you can usually add extras to suit your business.
Third party only
The minimum level of cover. It protects other people and their property if you are at fault, but does not cover damage to your own vehicles.
Third party, fire and theft
Third party cover plus protection if one of your vehicles is stolen or damaged by fire.
Comprehensive
The highest level of cover, protecting you, your vehicles and third parties.
Optional extras
Some fleet policies include breakdown cover and a range of additional cover, from windscreen repair to public liability insurance. Policies are usually tailored to each business.
How can I reduce the cost of fleet insurance?
The source of most fleet insurance savings is who drives, how the vehicles are protected and how you pay.
Decide who is on your policy
Drivers with clean licences have shown they are lower risk, so adding them helps keep the cost down. It may be worth insuring any convicted drivers on a separate policy; discuss this with the insurer.
Name your drivers
Fleet policies usually cover any driver as standard, but naming all drivers, so only they can use the fleet vehicles, can often get you a cheaper price.
Consider an age limit
You may be offered a cheaper quote by insuring only drivers over 25 on your fleet. Check whether that fits the way your business works.
Improve security
Ask the insurer whether dash cams, tracking devices, immobilisers, alarms and keeping vehicles in a secure location could lower your premium.
Think about black boxes
Black boxes work well for many drivers but do not suit everyone, for example if you drive a lot at night. If they are not right for your fleet, you can look for cover without one.
Pay annually if you can
Monthly payments help with cash flow, but paying annually means you avoid interest, which can add significantly to the overall cost.
Compare at renewal
Loyalty does not pay. When your policy comes up for renewal, compare quotes again, as switching provider can lower your costs.
What details do I need to get a quote?
Have these to hand before you start.
About you
Your name and contact details, and whether the fleet is for a business or a family.
Your vehicles
The vehicles in the fleet, including the types and how many you need to cover.
Your driving history
The driving records of the people who will drive the vehicles, including any convictions.
Who can be covered by a fleet insurance policy?
Fleet policies usually provide cover for any driver as standard. You can often get cheaper fleet insurance by naming all drivers, which means only named drivers can use the vehicles in your fleet. Policies vary significantly between insurers, so check yours thoroughly. Some, for example, offer a lower price if you insure only drivers over 25.
Why compare fleet insurance?
Comparing quotes from a panel of fleet insurers lets you gather several quotes through one form instead of approaching each insurer separately. Prices can vary significantly between providers, so it pays to compare. The same applies at renewal: loyalty does not pay, and you may find you can save by switching fleet insurance provider.
Ready to get fleet insurance quotes?
One short form, then specialist insurers come back to you with tailored quotes.
Frequently asked questions
Do I need fleet insurance?
Fleet insurance is not a legal requirement, but every vehicle on the road must be insured. Covering your work vehicles under one fleet policy is usually much less costly than insuring them separately under individual business insurance policies.
How many vehicles can I insure on a fleet policy?
There is generally no limit. Fleet policies usually start at two or three vehicles and can go up to 500, depending on the size of the company. Providers have different offers for different fleet sizes, so compare quotes for the number of vehicles you need to cover.
Is breakdown cover included in fleet insurance?
Some fleet policies include breakdown cover, along with other additional cover such as windscreen repair and public liability insurance. Policies are usually tailored to each business, so check what is included in any quote you receive.
What businesses can get fleet insurance?
Fleet insurance is available for any business that runs a group of vehicles, including private hire, haulage, transportation and courier services. Families with several vehicles can also take out a fleet policy.
Can I mix different vehicle types on one fleet policy?
Yes. A fleet policy can cover any combination of cars, vans, motorbikes, pick-ups, lorries and trucks, taxis, minibuses and other vehicles under a single policy.
Can I add new employees to my fleet insurance?
Some fleet policies let you include new employees without notifying the insurer, but this varies between policies. Check your own policy terms before assuming a new driver is covered.
Is it cheaper to pay for fleet insurance monthly or annually?
Paying monthly helps with cash flow, but you pay interest, which can add significantly to the overall cost. If you can afford to, paying annually avoids that interest.
What happens after I complete the form?
Specialist fleet insurers on the panel contact you with quotes tailored to your vehicles and drivers. You then compare the prices and policy features and buy cover directly from the provider you prefer.
Fleet Insurance for your situation
Other pages that may fit your business, and guides on this topic.
Written by Michael Foote, Insurance & Finance Expert
Founder of Quote Goat, with over 20 years' experience in finance and insurance. He has appeared on TV and in Forbes, The Telegraph and The Metro.
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