Commercial Business Fleet Insurance
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Why Compare Commercial Fleet Insurance Quotes at SimplyQuote?
Comparing commercial fleet insurance at SimplyQuote is the smartest way to find tailored cover that reflects the real risks of running a fleet—without overpaying.
Commercial fleet insurance isn’t a one-size-fits-all product. The number of vehicles you manage, the way your business uses them, and the risks they’re exposed to can vary significantly. That’s why SimplyQuote gives you a transparent, comprehensive view of your options.
When you compare policies, you’re not just looking at different prices—you’re seeing the nuances of what’s actually covered. Some insurers may include breakdown cover as standard, while others charge extra for it. Others might be better for tradespeople who use vans for specialist tools, while some policies suit taxi fleets better. Without comparing, you’re left guessing—and that’s a gamble no business wants to take.
By comparing commercial fleet insurance, you can weigh up factors like liability cover, excesses, and how claims are handled—crucial when a breakdown or accident could put half your fleet out of action. You also get to see how premiums stack up against the level of service you’ll receive, so you’re not left with a policy that’s cheap on paper but costs you more in the long run.
Our partnership with Quotezone means you get instant access to a panel of trusted insurers who specialise in fleet cover. That way, you spend less time filling out forms and more time keeping your vehicles and business moving safely.
Why Do I Need To Get A Quote?
You’ll need some essential details about your vehicles, drivers, and business to get a commercial fleet insurance quote.
When you’re ready to compare commercial fleet insurance quotes, it helps to gather a few key details upfront. Insurers need to understand exactly what they’re covering to provide an accurate price and suitable policy.
You’ll typically be asked for:
- The number of vehicles in your fleet and their types—whether that’s cars, vans, HGVs or a mix.
- Details about how your fleet is used day-to-day. Are they for deliveries, carrying passengers, or transporting goods?
- Information on your drivers, such as their ages, licence types, and any claims or convictions they might have.
- Basic business information like your trading name, nature of business, and how long you’ve been operating.
This information is crucial because it helps insurers assess your risk profile and tailor their cover to suit your needs. For example, a fleet of couriers delivering parcels in busy city centres has different insurance needs than a construction firm with a handful of vans driving mainly on rural roads.
Remember, the more accurate the information you provide, the more reliable your quotes will be. It can also help you avoid surprises down the line—no one wants to find out they’re underinsured or paying more than they should because of incorrect details.
Why Do You Need Commercial Fleet Insurance Cover?
Commercial fleet insurance isn’t just a box to tick—it’s a crucial safeguard for your business and the people who keep it moving.
Fleet insurance is more than a legal necessity; it’s a shield that protects you when things go wrong. Running a fleet means vehicles on the road, drivers in motion, and the potential for the unexpected—from a minor scrape in a car park to a serious accident that can disrupt operations and cost thousands. Without proper cover, these incidents can quickly become major setbacks.
Consider a local delivery company with ten vans on the road daily. If one of those vans is involved in an accident and isn’t covered properly, the cost of repairs—or worse, injury claims—can put a real strain on cash flow. Fleet insurance ensures these risks are managed, so your business doesn’t take the full financial hit.
But it’s not just about vehicles or finances. Good fleet insurance can cover injury to your drivers, damage to third-party property, and even legal expenses. It’s about keeping your team safe and your reputation intact when the unexpected happens.
Simply put, commercial fleet insurance isn’t an optional extra; it’s a vital part of running a responsible, secure operation. It gives you the freedom to focus on growing your business, knowing that if the worst happens, you’re protected.
Looking for commercial fleet insurance? Get your quote today!
Get QuotesWhat Does Commercial Fleet Insurance Cover Include?
Commercial fleet insurance covers the risks you face every day on the road—so you’re protected when accidents happen.
Most policies include:
- Third-party liability – Cover for injuries to other people or damage to their property if your driver is at fault.
- Damage to your vehicles – Whether it’s from a collision, theft, or fire, you’re covered for repair or replacement.
- Injury to drivers and passengers – Compensation for injuries to your drivers and passengers travelling in the insured vehicles.
- Windscreen and glass cover – Many policies include cover for windscreens and windows as standard.
- Replacement vehicle – If your vehicle is off the road, some policies provide a temporary replacement to keep you moving.
It’s these protections that make fleet insurance more than just a box-ticking exercise. By safeguarding your vehicles, drivers, and business reputation, you’re setting your operation up for success, no matter what the road throws your way.
What’s Not Included?
Commercial fleet insurance won’t cover every eventuality—knowing the gaps in your policy is just as important as knowing what’s protected.
Here are some of the most common exclusions:
- Wear and tear – Ongoing mechanical issues, gradual deterioration, or damage from repeated use usually aren’t covered.
- Undeclared drivers – If a driver isn’t listed on your policy or lacks the right licence, claims involving them may be denied.
- Uninsured use – Using vehicles for activities not covered by your policy—like deliveries when you’re only insured for private use—can void your cover.
- Personal belongings – Tools, equipment, or other items left in your vehicles aren’t typically included unless you’ve added extra cover.
- Non-UK travel – Driving outside the UK without a policy extension for European cover usually isn’t protected.
These exclusions can vary depending on your insurer and policy. Always read the fine print—and if you’re unsure, ask. It’s the best way to avoid nasty surprises when you need your cover most.
How Much Does Commercial Fleet Insurance Cost?
On average, commercial fleet insurance costs between £1,400 and £2,500 per vehicle each year in the UK, depending on factors like fleet size, driver profiles, and the types of vehicles covered.
For small van fleets in low-risk trades, premiums typically hover around £1,400 per vehicle annually. In contrast, larger fleets—particularly those with HGVs or more specialised vehicles—can see costs climb to £2,500 or more per vehicle each year.
Insurers calculate these premiums based on your fleet’s risk profile:
- Fleet size and composition – A larger number of vehicles or high-value lorries can mean higher premiums.
- Drivers and usage – Young or inexperienced drivers, frequent urban deliveries, or long-haul usage can push costs up.
- Business type and overnight storage – Your business activities, security arrangements, and even postcode can all influence how much you’ll pay.
- Level of cover – Comprehensive policies with extras like legal expenses or breakdown cover usually cost more than basic third-party insurance.
Despite the costs, fleet insurance is often more economical than insuring vehicles individually, as insurers offer discounts for grouped policies. And with a single policy and renewal date, it simplifies your admin, too.
At SimplyQuote, we work with Quotezone to compare these policies in real-time—helping you see exactly how these factors translate into a fair price for your fleet.
Related Read: How Much Does Fleet Insurance Cost?
How Can You Save Money on Commercial Fleet Insurance?
You can cut the cost of fleet insurance by shopping around, managing risks, and making smart choices about cover and security.
Here’s what can make a difference:
- Shop around and compare – Don’t settle for the first quote you see. Comparison services can help you find better deals and highlight what’s really essential for your fleet.
- Boost your security – Insurers reward fleets with good overnight storage, quality alarms, and tracking systems.
- Choose your drivers wisely – Experienced drivers with clean records help keep premiums low. Young or high-risk drivers can push costs up.
- Review your cover level – While comprehensive insurance offers full protection, trimming back to just what you need can reduce your costs without leaving you exposed.
- Pay annually if you can – Monthly instalments often cost more. Paying for the full year upfront can bring discounts that add up over time.
Beyond these basics, insurers often look favourably on businesses that actively manage risk. That could mean driver training, data tracking, or even regular vehicle checks to reduce avoidable claims. It’s a practical way to cut costs and build confidence that you’re getting value for money.
If you’re ready to see how much you could save, simplyquote.co.uk makes it easy to compare your options—without endless phone calls or paperwork.
How To Compare Commercial Fleet Insurance Quotes At SimplyQuote?
Comparing commercial fleet insurance quotes is straightforward with SimplyQuote—just share your details once and you’ll see tailored options from top insurers.
It’s a fast, no-hassle way to find the right cover without ringing round multiple providers.
Here’s how it works:
- Fill in one simple form – Enter your details: how many vehicles you have, who drives them, and what they’re used for.
- Get multiple quotes instantly – Our system fetches live quotes from trusted UK insurers, showing you exactly what’s on offer.
- Compare and choose – Look at the details: what’s covered, what’s not, and how much it all costs.
- Buy online or speak to an adviser – If you need extra help, expert advisers are on hand to walk you through the options.
It’s quick, convenient, and puts you in control—so you can focus on what matters most: running your fleet with peace of mind.
Frequently Asked Questions
Commercial fleet insurance covers multiple vehicles under one policy, which can be cheaper and easier to manage than insuring each vehicle separately.
No, fleet policies typically allow you to add multiple named drivers or cover any driver with your permission, depending on the policy.
Yes, most fleet policies can cover a mix of vans, cars, and lorries as long as they’re owned or operated by the same business.
Usually, yes. One claim can impact the overall premium for the fleet at renewal, so managing risks and claims is important.
Most insurers let you update your policy to add or remove vehicles as needed, ensuring continuous cover for your business.
Not always. Breakdown cover is usually an optional extra that you can add to your policy if needed.
No, not by default. If you need cover for the goods you’re transporting, you may need to arrange a separate goods in transit policy.
Yes, but you’ll often need to add an extension for European use or international cover to ensure you’re protected outside the UK.
Written by Chris Richards
Page last reviewed on 6th June 2025 by Chris Richards