Fleet Insurance

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Find the Best Fleet Insurance Providers with SimplyQuote

Searching for an affordable fleet insurance quote that suits your needs can easily become a daunting and time-consuming task. The vast array of insurance providers, each offering competitive deals, can leave you feeling overwhelmed.

Thankfully, here at SimplyQuote, our highly trained team is dedicated to ensuring you get the best savings on your fleet insurance. You can compare fleet insurance quotes from some of the best providers in the UK to ensure you get a price that works for you!

So, whether you are looking to switch to a cheaper policy, or this is your first time purchasing motor fleet insurance for your business, use the comparison service tool today!

What Is Fleet Insurance?

Fleet insurance is a tailored insurance policy designed to cover multiple vehicles owned or operated by your business. Instead of juggling individual policies for each car, van, or truck, you can consolidate the cover under one plan. This simplifies management and potentially reduces costs.

If your business has two or more vehicles requiring insurance, fleet insurance is a convenient solution.

To avoid any confusion, fleet insurance goes by several different names, such as:

The benefits of fleet insurance

  • Simplified management: Say goodbye to the hassle of tracking multiple policies with different renewal dates. A single fleet policy streamlines administration, saving you valuable time, money, and resources.
  • Cost savings: Fleet insurance can be more economical than individual policies. Insurance companies often offer discounts for insuring multiple vehicles, especially if your fleet has a good safety record.
  • Standardised cover: Ensure all your vehicles have consistent cover. This simplifies claims processing and reduces the risk of gaps in protection.
  • Flexibility: Fleet insurance cover can be customised to fit your specific needs. You can choose the levels of cover you need for different types of vehicles within your fleet.

It’s not just about saving money – fleet insurance simplifies the management of your business vehicles, making it a convenient, time-saving, and practical option.

Easily compare fleet insurance quotes with SimplyQuote today!

Who can get fleet insurance?

Fleet insurance is great for businesses with more than one vehicle. From motorcycles to 44-ton HGV trucks, fleet insurance covers them all.

Whether you run a delivery service, landscaping crew or have a sales team on the road, fleet insurance covers all your business vehicles under one fleet insurance policy.

Is fleet insurance only for businesses?

The short answer is: no. While it’s normal to think fleet insurance is associated with businesses, it can be used domestically. For example, when kids purchase their own vehicles, families can benefit from utilising a fleet insurance plan. This is more cost-effective in the long run as opposed to insuring single vehicles.

However, there are certain requirements you’ll need to meet to be eligible:

  • Be at least 18 years of age
  • Be able to provide details of your fleet
  • Be able to provide details about your business

What Types of Vehicles Are Covered By Fleet Insurance?

What Are the Levels of Cover with Motor Fleet Insurance?

Cover TypeDamage to Third-Party PropertyLiability for Injury to OthersTowing LiabilityFire and Theft CoverVehicle Repair CoverAdditional Cover
Third-party only (TPO)YesYesYesYesNoNone
Third-party, fire and theft (TPFT)YesYesYesYesNo (except fire or theft)None
Comprehensive CoverYesYesYesYesYesWindshield, personal effects, medical expenses, accidental damage

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What Add-Ons Can I Include In My Fleet Insurance Policy?

You can add many extras to your fleet insurance policy, ranging from personal belongings to courtesy vehicle cover.

Personal belongings cover

When you employ drivers, you will want to ensure that they are covered by personal belongings cover. If a driver loses their belongings when working, it’s not only extremely stressful for them, but it can quickly become a problem for you, too.

Breakdown cover

Even the most reliable vehicles are prone to breakdowns, which is why breakdown cover exists. Breakdown cover will protect your vehicle fleet if a roadside accident requires a breakdown team to be sent out.

Goods in transit cover

If you operate a transporting service, you may want to consider adding goods covered to your fleet insurance policy. This will protect you from accidental damage to the goods you transport, and some policies will even cover the loss of goods.

Liability cover

From house cover to fleet insurance, almost all insurance policies will offer some form of liability coverage as additional protection. In terms of fleet insurance, liability cover protects you from any accidents at the workplace.

Legal expenses cover

Although rare, you may find yourself in a situation where you are expected to pay high legal expenses. Whether it’s defending yourself in court or suing a customer for a myriad of reasons, protecting yourself from high legal costs can give a great level of security.

Courtesy van cover

Most comprehensive fleet insurance plans have courtesy vehicle cover included. This type of cover ensures business continuity by providing a temporary replacement vehicle whilst yours is in for repair.

Hire and reward

Hire and reward insurance is essential if your fleet vehicles are used for commercial deliveries or transporting goods for a fee – removal companies are an example of this.

Replacement locks

Losing your vehicle keys can be stressful – and inconvenient. Replacement lock insurance eliminates the financial burden of replacing locks and/or re-keying your entire fleet if keys are lost, misplaced, or stolen. This saves you time and money and ensures your fleet vehicles remain secure.

Trailer cover

Many businesses – such as towing companies – use trailers for various purposes. Trailer insurance extends your fleet insurance to include trailers you use for commercial purposes.

Does Fleet Insurance Come with Exclusions?

How Much Does Fleet Insurance Cost?

Number of VehiclesCost per Vehicle10% Discount Savings20% Discount Savings30% Discount Savings40% Discount Savings

How Can I Compare Fleet Insurance Cover?

While “cheaper” fleet insurance isn’t always the end goal (as you want good cover), comparing fleet insurance quotes can help you find the most affordable plan with the right level of protection for your business.

What things should I consider when comparing fleet insurance quotes?

  • The fleet insurance policy you choose should tick all the necessary boxes related to your specific needs, such as employer’s liability, goods in transit, and/or trailer cover.
  • Weigh up costs vs convenience. For example, “any driver, any vehicle” insurance (i.e. Any Authorised Drivercover) means any employee – granted they have the necessary training and licenses – can drive any vehicle in your fleet. This saves the headache of managing multiple drivers for specific vehicles. However, this level of flexibility and comfort is often more expensive.

Here’s a quick 5-step guide on how to navigate the comparison process:

Understand your needs

  • How many vans do you have?
  • What types of vans are they (standard, pickups, etc.)?
  • What level of cover do you need (third-party only, fire and theft, comprehensive)?
  • What’s your driver experience like?

Gather quotes

  • Don’t settle for just one! Get quotes from multiple insurance providers.
  • Utilise the online comparison tool to save time, money, and effort.
  • We make comparing fleet insurance policies a breeze.

Compare coverage details

Look beyond the price tag. Carefully compare what’s included in each policy, such as;

  • Liability limits
  • Deductibles
  • Additional coverage

It’s also wise to check if fleet insurers offer some level of flexibility to your policy, especially if you want to add or remove company vehicles. This can be extremely beneficial to growing businesses.

Consider fleet safety programs

Some insurers offer discounts for fleets with proven safety records or those that implement safety training programs.

Negotiate with confidence

Once you have a few quotes, use them as leverage to negotiate a better rate with your preferred provider.

By following these steps, you can effectively compare insurance quotes and find a plan that offers the right protection at a competitive price for your business.

How Can I Get Cheap Fleet Insurance?

You can implement several strategies to reduce the cost of motor insurance, such as:


Switch to electric or hybrid vehicles

One of the best ways to cut down costs both in fuel and insurance is to switch to electric or hybrid vehicles. As most non-fuel vehicles will have slightly weaker engines, insurance providers generally deem them to be safer.

This can lead to a lower price on your chosen fleet insurance policy and is a worthy investment.

Ensure all drivers have clean records

Fleet insurers aim to minimise the risk of accidents.

You can potentially lower your premiums by prioritising mature drivers with a couple of years of experience under their belts. Responsible drivers with a clean driving track record (e.g. no driving under the influence, speeding fine infringements, etc.) are statistically less prone to accidents when compared to younger, inexperienced drivers.

Train your drivers

Insurance providers could potentially lower your insurance premiums if you can prove your drivers have been trained.

When insurance providers decide on the cost of their fleet insurance, they will do a risk assessment. Trained drivers are a great way to show an insurer that you hire a knowledgeable team and that you are a business that wants to reduce the chance of an accident.

High levels of security

Ensure that the area where you secure your vehicles when they are not in use is protected via high levels of security. For example, CCTV systems or even a security guard can show insurance providers you are willing to put in the extra effort to protect your vehicles from risks.

Dashboard cameras are another level of security you should consider adding to your fleet vehicles. And some insurers may require this as a standard before they decide to insure your fleet.

Compare fleet insurance with SimplyQuote to get cheaper fleet insurance that aligns with your business needs and budget today!

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Frequently Asked Questions

Is fleet insurance cheaper than insuring individual vehicles?

Generally, it’s cheaper when you bundle multiple company vehicles under one insurance policy as opposed to individually insuring motor vehicles.

Who is eligible for fleet insurance?

Any business with two or more company vehicles is eligible for fleet insurance. This transcends to motorcycles, vans, lorries or large 44-ton trucks.

How many vehicles make up a fleet to be covered by fleet insurance?

Generally, when you have more than two vehicles, insurers will cover you for fleet insurance. However, some insurers may require a minimum of five vehicles before they consider it a ‘fleet’.

Is there an age restriction for fleet insurance?

It’s not uncommon for insurance providers to exclude drivers (or offer much higher premiums) under 25 years old as they are statistically prone to more accidents.