Car Hire Fleet Insurance
Compare Car Hire Fleet Insurance Quotes
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Why Compare Car Hire Fleet Insurance Quotes at SimplyQuote?
Because managing a fleet of hire cars demands insurance that’s built for rental businesses—and SimplyQuote, in partnership with Quotezone, helps you find it fast and with full legal compliance.
Operating a car hire service comes with unique challenges: multiple drivers, frequent vehicle changes, and heightened liability risks. Standard vehicle policies simply don’t cut it. Instead, you need a dedicated fleet insurance policy that covers your entire operation and ensures every vehicle you rent out is properly protected.
At SimplyQuote, we understand how critical this is for car hire companies—whether you’re just starting out or managing a large, established fleet. That’s why we partner with Quotezone to connect you with insurers who specialise in rental vehicle fleets. You’ll find policies that keep you compliant with self-drive hire laws, protect your business financially, and reduce admin headaches—without paying for cover you don’t need.
When your business relies on cars on the road, getting the right fleet insurance isn’t optional—it’s your shield and your peace of mind.
Why Do I Need To Get A Quote?
To get a car hire fleet insurance quote, you’ll need to provide basic details about your business and your vehicles.
Here’s what to have ready:
- Fleet Details: Number of vehicles, types (cars, vans, SUVs), and whether you plan to add more soon.
- Driver Information: Age ranges and driving history of the drivers you plan to use.
- Business Use: How often vehicles are rented out and where they’re typically driven (e.g. local or long-distance hires).
- Claims History: Any previous claims on your current fleet insurance policy.
- Optional Extras: Decide if you want cover like breakdown assistance, legal expenses, or personal accident benefits for drivers.
By gathering these details before you start, you’ll get the most accurate quotes and a clear picture of your options—whether you’re insuring a handful of vehicles or a growing fleet.
Why Do You Need Car Hire Fleet Insurance Cover?
Because renting out vehicles without the right insurance isn’t just risky—it’s illegal.
If you’re in the business of hiring out cars to the public, a standard private motor policy simply isn’t enough. The law requires you to have cover that’s specifically written for self-drive hire, and failure to comply can lead to fines, legal action, and even seizure of your fleet.
Beyond the legal side, car hire fleet insurance is your financial safety net. Even the best driver can have an accident, and when that driver isn’t you, the risk to your business is even higher. A single serious claim can threaten your entire operation.
Here’s what this cover really does for you:
- Keeps your vehicles legal on the road, so you can operate without fear of fines or enforcement.
- Protects your finances, paying out if a customer causes damage or injures someone.
- Simplifies your admin load, with one policy instead of dozens of separate ones.
Running a hire fleet is already complex. This insurance makes it one less thing to worry about—keeping you compliant and protected, trip after trip.
Looking for car hire fleet insurance? Get your quote today!
Get QuotesWhat Does Car Hire Fleet Insurance Cover Include?
Car hire fleet insurance doesn’t just protect the vehicles themselves—it shields your entire operation, covering the unique risks of renting out cars to the public.
When you hand over the keys to a customer, you’re trusting them with a valuable asset—and exposing your business to potential financial and legal risk. That’s why this insurance is built differently from standard cover. It accounts for the fact that your cars are constantly changing hands, often driven by people you’ve only just met.
These policies are written to ensure you’re covered no matter who’s behind the wheel—whether they’re on a short-term rental, a long-term lease, or just using the vehicle for a single day. And because your business is built on moving vehicles, not paperwork, a single policy that adapts as your fleet grows or shrinks can be a game-changer for your admin load.
Here’s what’s typically included:
| Cover Element | What It Means |
|---|---|
| Third-Party Liability | Covers injury or property damage caused by any driver in your fleet |
| Own Damage (Comprehensive) | Protects your vehicles if they’re damaged in an accident or incident |
| Fire & Theft | Covers you if a vehicle in your fleet is stolen or damaged by fire |
| Flexible Vehicle Changes | Lets you add or remove cars from your policy as your fleet evolves |
| Legal Compliance for Hire | Ensures you meet self-drive hire insurance requirements under UK law |
Some policies also include extras like breakdown cover, legal expenses, or personal accident benefits for drivers—important add-ons depending on your business’s size and the type of vehicles you rent out.
It’s not just about ticking boxes. It’s about knowing that every trip a customer takes is protected, and that your business can keep rolling no matter what happens on the road.
What’s Not Included?
While car hire fleet insurance covers a lot, there are still some things it won’t protect you from.
This policy is designed for vehicle protection and liability in the context of self-drive hire, but it’s not a catch-all solution. You won’t be covered for every possible scenario, and knowing these limits is essential for managing your risk.
Typical exclusions include:
- Wear and tear – Everyday usage damage isn’t covered.
- Mechanical breakdowns – Unless you’ve specifically added breakdown cover, you’ll be responsible for repair costs.
- Use outside agreed terms – For example, if a vehicle is used for racing or commercial haulage beyond the hire scope.
- Uninsured drivers – If someone who’s not legally allowed to drive takes the wheel, your policy won’t help.
- Vehicles you haven’t declared – If a car isn’t listed on your policy, it’s not protected, no matter who’s driving.
Understanding these boundaries ensures you’re not caught off-guard—and helps you decide whether you need to layer on additional protection, like breakdown cover or legal expenses insurance, for peace of mind.
How Much Does Car Hire Fleet Insurance Cost?
Costs typically start from around £1,500 per vehicle per year, but your actual premium depends on factors like fleet size, vehicle types, and driver profiles.
Unlike standard motor policies, fleet insurance for car hire businesses has to account for the higher risk of multiple drivers—many of whom you won’t know personally. That’s why prices can vary widely, from a small local business to a nationwide operator.
Here’s what usually impacts the cost:
| Factor | Effect on Cost |
|---|---|
| Fleet Size & Vehicle Mix | More vehicles or high-value models will raise the premium |
| Driver Age & Record | Younger or high-risk drivers push prices up |
| Claims History | Past claims in your fleet can have a significant effect |
| Vehicle Use & Locations | Urban areas and long-distance hires often cost more |
| Optional Cover Add-Ons | Breakdown, legal, or personal accident cover can add to the premium |
For example, a fleet of compact cars in a low-claim area might see quotes around £1,500–£1,800 per vehicle. A mix of SUVs and vans used for longer trips could easily push that to £2,500 or more.
With SimplyQuote’s comparison tool, you’ll see what’s included and what’s extra, so you’re never caught off guard.
How Can I Save Money on Car Hire Fleet Insurance?
There are a few proven ways to lower your premiums without sacrificing protection for your vehicles or business.
Here’s what can make a difference:
- Shop Around: Compare quotes from multiple insurers to find the best rate for your fleet size and usage.
- Increase Security: Insurers often reward fleets with telematics, alarms, and secure overnight parking with lower rates.
- Choose Higher Excess: A higher voluntary excess can reduce premiums, but make sure you can afford it if you ever need to claim.
- Improve Claims History: Fewer past claims typically means lower costs. Careful driver selection and regular training can help keep accidents down.
- Bundle Policies: If you also need cover for other business assets or liabilities, combining policies can bring multi-policy discounts.
Every pound saved on insurance is a pound you can invest back into your fleet. With careful planning and a clear understanding of your options, you’ll see your premiums come down—and your bottom line go up.
How To Compare Car Hire Fleet Insurance Quotes At SimplyQuote?
It’s quick and simple—SimplyQuote’s streamlined quote process lets you find, compare, and secure the right cover for your hire fleet in minutes.
Here’s how it works:
- Provide your details – Basic info about your business, your fleet size, and the types of vehicles you rent out.
- Outline your needs – Whether you want comprehensive cover, third-party only, or optional extras like legal protection or breakdown.
- Compare your quotes – See what different insurers are offering, side by side—so you can pick the right fit.
- Purchase online – Once you’re happy, you can finalise the policy and get the paperwork you need to stay legal and protected.
It’s one less thing to worry about—so you can focus on what really matters: keeping your customers on the road and your business moving forward.
Frequently Asked Questions
Yes. Standard motor policies won’t cover vehicles rented to the public—you need a policy designed for self-drive hire.
Usually within minutes. SimplyQuote compares top UK insurers so you can secure cover fast.
Yes. Car hire fleet insurance covers all declared vehicles under one policy.
Absolutely. Most policies let you adjust your fleet list as your business changes.
Not always. Most policies offer third-party only, with optional upgrades to comprehensive.
It can, but it’s often an optional extra rather than a standard feature.
Many insurers set a minimum age, usually 21–25. Young drivers can increase premiums.
Compare quotes, maintain a good claims history, and consider limiting vehicle types or driver age.
Written by Chris Richards
Page last reviewed on 6th June 2025 by Chris Richards