Fleet Insurance
Compare Fleet Insurance Quotes
Find fleet insurance that covers multiple vehicles under one policy.
Compare fleet insurance policies from leading insurers, including;
What Is Fleet Insurance?
Fleet insurance is a single policy that covers multiple vehicles owned or operated by one business, replacing the need to insure each vehicle separately.
Instead of managing separate renewal dates, excess levels, and cover types for every vehicle, a fleet policy puts everything under one plan. This cuts admin time and usually reduces the total premium.
Most insurers define a fleet as two or more vehicles, though some require a minimum of three or five. The vehicles do not need to be the same type, so you can cover cars, vans, and trucks on a single policy.
Individual policies are priced per vehicle and per driver. Fleet insurance is priced on the overall risk profile of the business, including claims history, driver records, and fleet size.
Adding a new vehicle to an existing fleet policy is usually cheaper than buying a standalone policy for it. You also get one renewal date instead of juggling twelve.
How To Compare Fleet Insurance Quotes
Comparing fleet insurance quotes from multiple providers is the fastest way to find the right cover at the best price.
List your vehicles
Record the make, model, age, and value of every vehicle in your fleet. Include any vehicles on order that will join the fleet within the policy term.
Choose cover level
Decide whether you need third-party only, third-party fire and theft, or fully comprehensive cover. You can set different levels for different vehicles within the same policy.
Add your drivers
Provide details of every driver, including licence history and any convictions. You can choose named drivers or an any-driver policy depending on your operational needs.
Compare quotes & buy
Review quotes from fleet insurers side by side, comparing premiums, excess levels, and extras. Cover can start the same day.
Who Needs Fleet Insurance?
Any business or household running two or more vehicles can benefit from a fleet policy. The type of fleet determines which specialist cover you need.
By fleet size
Small fleet insurance
covers businesses with 2 to 10 vehicles that want to consolidate policies without meeting large-fleet minimums.
Mini fleet insurance
is designed for the smallest fleets of 2 to 5 vehicles, often with simplified underwriting and faster quotes.
Commercial fleet insurance
covers larger business fleets with tailored terms for companies running 10 or more vehicles.
Family fleet insurance
is the domestic equivalent, covering multiple household vehicles under one policy for families.
By vehicle type
HGV fleet insurance
covers trucks over 3.5 tonnes used for haulage, distribution, and heavy goods transport.
Coach fleet insurance
is built for operators running multiple passenger vehicles on scheduled or private hire routes.
Minibus fleet insurance
covers fleets of 8 to 16-seat vehicles used by schools, care homes, and community transport providers.
Fleet van insurance
is designed for businesses running multiple vans for deliveries, trade work, or mobile services.
Multi car and van insurance
combines cars and vans on one policy for businesses running mixed vehicle types.
By business type
Courier fleet insurance
covers multi-drop delivery operations where vehicles are on the road for most of the working day.
Haulage fleet insurance
is for goods transport businesses moving freight on behalf of third parties under hire and reward terms.
Taxi fleet insurance
covers private hire and hackney carriage operators running multiple licensed vehicles.
Car hire fleet insurance
protects rental companies against damage, theft, and third-party claims from customers driving hire vehicles.
What Vehicles Can A Fleet Policy Cover?
A fleet policy can cover almost any road-legal vehicle type, from small cars to 44-tonne HGVs.
| Vehicle category | Examples |
| Cars | Company cars, pool cars, sales rep vehicles |
| Vans | Panel vans, Luton vans, pickup trucks |
| HGVs | Rigid trucks, articulated lorries, tippers |
| Passenger vehicles | Coaches, minibuses, taxis, private hire cars |
| Specialist | Recovery trucks, refrigerated vehicles, tankers |
| Two-wheelers | Motorcycles, scooters, e-bikes used for deliveries |
You can mix vehicle types on one policy. A plumber running three vans and a car, or a logistics firm with 50 trucks and 10 cars, can put everything on a single fleet plan.
What Does Fleet Insurance Cover?
A fleet policy covers the same core risks as individual motor insurance, plus business-specific protections.
Third-party liability
Covers damage you cause to other people’s vehicles, property, and any injury claims. This is the legal minimum for every vehicle on UK roads.
Accidental damage
Available on fully comprehensive policies. Pays to repair or replace your own fleet vehicles after a collision, regardless of fault.
Fire and theft
Covers loss or damage to your vehicles from fire, arson, or theft. Included in TPFT and fully comprehensive policies.
Employers’ liability
A legal requirement if you employ drivers. Covers compensation claims from employees who are injured or become ill because of their work.
The minimum cover level is £5 million.
Public liability
Protects your business against third-party claims for injury or property damage caused during your operations. Most fleet insurers offer this as an add-on or bundled option.
What Levels Of Cover Are Available?
Fleet insurance comes in three levels, and you can set a different level for different vehicles within the same policy.
Third-party only (TPO)
The legal minimum. Covers damage to other people’s vehicles and property but nothing on your own fleet.
Best suited to older, low-value vehicles where replacement cost is low.
Third-party, fire and theft (TPFT)
Adds fire and theft protection for your own vehicles on top of TPO. A good middle ground for fleets stored at a secure depot.
Fully comprehensive
Covers your own vehicles for accidental damage, fire, theft, and third-party claims. The widest protection and the most common choice for business fleets.
| Level | Third-party damage | Fire and theft | Own vehicle damage | Windscreen |
| TPO | ||||
| TPFT |
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| Comprehensive |
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What Add-Ons Can You Include?
Fleet policies can be extended with specialist cover to match your operations.
Goods in transit
Covers the value of goods you carry on behalf of customers. Required for courier, haulage, and delivery businesses.
Hire and reward
Needed if your vehicles carry passengers or goods for a fee. Without it, a standard fleet policy will not cover commercial carriage.
Breakdown cover
Provides roadside recovery and repair for every vehicle in the fleet. Reduces downtime and keeps drivers on the road.
Courtesy vehicle cover
Supplies a temporary replacement vehicle while one of your fleet is off the road for repairs. Keeps your operations running without hiring in.
Trailer cover
Extends the policy to cover trailers, flatbeds, and horseboxes attached to fleet vehicles. Standard motor policies rarely include this.
Legal expenses
Covers legal costs if you need to pursue or defend a claim after an accident. Useful for businesses that cannot absorb unexpected solicitor fees.
How Much Does Fleet Insurance Cost?
Fleet insurance premiums vary widely based on fleet size, vehicle types, and claims history, but consolidating vehicles onto one policy typically saves 15% to 25% compared to insuring them individually.
| Cost factor | How it affects your premium |
| Fleet size | Larger fleets attract volume discounts from insurers |
| Vehicle types | HGVs and specialist vehicles cost more than cars and vans |
| Claims history | A clean record over 3 to 5 years reduces the premium significantly |
| Driver profiles | Younger or less experienced drivers increase the price |
| Cover level | Comprehensive costs more than TPO or TPFT |
| Location | Urban depots carry higher theft and accident risk |
| Security | CCTV, tracked vehicles, and locked compounds lower the premium |
| Telematics | Black box data proving safe driving can cut costs by 15% to 30% |
According to the ABI, UK commercial motor premiums rose by 25% between 2023 and 2025. Comparing quotes annually is more important than ever.
Related: How Much Does Fleet Insurance Cost?
How Can You Reduce Your Fleet Premiums?
There are several proven ways to cut your fleet insurance costs without reducing your level of cover.
Install telematics
Black box tracking gives insurers real data on driver behaviour. Fleets with telematics typically see premium reductions of 15% to 30% after the first year.
Train your drivers
Documented driver training programmes show insurers you take risk seriously. Some providers offer direct discounts for businesses that run regular safety courses.
Increase security
Store vehicles in a locked compound with CCTV and alarm systems. Fit GPS trackers to high-value vehicles. Insurers reward visible security investment with lower premiums.
Pay annually
Monthly instalments typically add 10% to 15% in interest charges. Paying in full upfront gives you the lowest total cost.
Increase your voluntary excess
A higher excess lowers your premium. Set it at a level your business can comfortably absorb for minor claims.
Review your fleet regularly
Remove vehicles you no longer use and check that declared values are accurate. Insuring a vehicle that sits idle or is overvalued wastes money. Make sure every vehicle is correctly taxed and roadworthy before renewal.
What About Driver Policies?
Fleet insurance offers two main approaches to covering drivers, and the right choice depends on how your business operates.
Named driver policies
Each driver is listed on the policy by name. This is cheaper because the insurer can assess individual risk, but it means unlisted drivers cannot legally drive fleet vehicles.
Any driver policies
Any employee with a valid licence can drive any vehicle in the fleet. This costs more but gives you operational flexibility, especially if drivers rotate between vehicles or you use temporary staff.
Some insurers offer a hybrid option where core drivers are named and a limited any-driver allowance covers occasional use by other employees.
Frequently Asked Questions
Yes, in most cases. Bundling vehicles under one policy gives you a volume discount, with typical savings of 15% to 25%.
Most insurers accept fleets of two or more vehicles. Some require a minimum of three or five, so check with your provider.
Yes, you can cover cars, vans, trucks, and specialist vehicles on the same policy. The insurer sets the premium based on the combined risk profile.
Fleet policies do not usually offer a traditional no-claims bonus. Instead, your claims history directly affects your renewal premium, so fewer claims still mean lower costs.
Yes, most fleet policies let you add or remove vehicles at any point. The premium is adjusted pro-rata for the remaining term.
Motor insurance is a legal requirement for every vehicle used on UK roads. Fleet insurance is simply a way of meeting that requirement for multiple vehicles under one policy.
Some policies include social, domestic, and pleasure use for named drivers. Check your policy wording, as this is not always included by default.
If you have a named-driver policy, unlisted drivers are not covered. Any claim would be invalid, and the driver could face prosecution for driving without insurance.
Yes, but drivers under 25 will increase your premium. Some insurers exclude under-25s entirely, so you may need a specialist provider.
Telematics uses a black box or app to monitor driving behaviour across your fleet. Insurers use this data to price your policy based on actual risk, which often results in lower premiums for safe fleets.
