Mini Fleet Insurance

Compare Mini Fleet Insurance Quotes

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Why Compare Cheap Mini Fleet Insurance Quotes With SimplyQuote?

Anyone who owns several fleet vehicles knows how tough it can be to sift through dozens of insurance policies and providers to find a good option that meets your insurance requirements and budget.

With SimplyQuote you can almost instantly get access to quotes from the UK’s leading fleet insurance providers. All you have to do is fill in a short form and tell us a bit about yourself and your mini fleet of vehicles, and you’ll get to compare quotes within minutes.


What Do You Need To Get A Quote?

SimplyQuote will require the following information from you to provide you with quotes:

  • The types and number of vehicles you wish to insure
  • Personal information of all named drivers, including driving history
  • Your location


Who Can Get Mini Fleet Insurance?

At a minimum, you will require third-party only insurance to legally drive on the UKs roads. And although you can get third-party only cover with individual vehicle insurance policies, it will be much more affordable to cover all your fleet vehicles under a single fleet insurance policy.

To qualify for mini fleet insurance, you can have between 2 and 15 vehicles in your fleet (however the actual number varies between insurance companies). 

It is a good insurance option for small businesses or private car owners with several vehicles they wish to insure.

What Are The Benefits Of Mini Fleet Insurance?

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What Does Mini Fleet Insurance Cover?

What Levels Of Mini Fleet Insurance Can You Get?

The three different levels of mini fleet insurance cover are third-party only (TPO), third-party, fire and theft (TPFT) and comprehensive cover.

Third-party only

Third-party only fleet insurance covers damage to third parties. This includes damage done to other vehicles and property, as well as any injuries to your passengers and others. Third-party only cover is the minimum level of cover that you must legally have in the UK.

Third-party, fire and theft

Like third-party only cover third-party, fire and theft policies only cover damage to others and other vehicles. Your fleet will also be covered in the event that a vehicle is stolen or damaged in a fire.


A comprehensive policy is the highest level of cover that you can get for your mini fleet. It includes everything covered under a third-party, fire and theft policy, but it also protects against damage to your vehicle and to yourself.

With a comprehensive policy, you’ll be able to claim for repairs following an accident, accidental damage and vandalism for all of your fleet vehicles.

Looking for the cheapest Mini Fleet Insurance? Get your quote today!

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Which Add-Ons Are Available For Mini Fleet Insurance?

How Much Does Mini Fleet Insurance Cost?


Which factors impact the costs of mini fleet insurance policies?

The following factors will impact the cost of your insurance premiums:

Number of vehicles

The number of vehicles on your policy will have the biggest influence on the cost. The more cars, vans or motorbikes you have in your fleet, the more expensive the insurance will be.

Types of vehicles

The type of vehicles that you want to insure will have a big impact on the cost of your mini fleet insurance. Vehicles that are more prone to breakdowns or have been modified will fetch higher insurance costs.

Age and condition of vehicles

The age and condition of your vehicles will affect your insurance costs. Old or poorly maintained vehicles are much more likely to require an insurance pay-out than newer vehicles. Insurers balance this risk by charging more to provide cover.

Off-duty vehicle storage

Where you store your vehicles when not in use has a big impact on your premium.

If you want to keep insurance costs to a minimum, store your vehicles in a secure location. For businesses, showing that you lock vehicles inside secure premises will reassure the insurer that they’re safe.

Your industry

The industry that your business operates in will influence an insurer’s quote. If you work in an industry where your fleet vehicles are more likely to get damaged – like in construction – insurance companies will charge you more.

Vehicle usage

Insurers often want to know how often each of your vehicles is used and the mileage they clock up every year. Again, this information is used by policy providers for risk management – the more a vehicle is used, the more likely it is to be in an accident, and the higher the premium.

Looking for the cheapest Mini Fleet Insurance? Get your quote today!

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How To Get Cheaper Mini Fleet Insurance

Although a mini fleet policy is already one way to cut down on your insurance premiums (as you don’t have to insure each vehicle individually), here are some ways to bring your rates down even more.


Secure your vehicles

Make sure to park all vehicles in a secure location where they are less likely to be stolen, broken into, or damaged.


Limit the number of named drivers

Keeping the number of named drivers on the fleet policy to a minimum can help you save money. Try to only include members of your team who will definitely be driving the vehicles.


Compare multiple insurance quotes

The best thing you can do to save money on a fleet policy is to compare quotes from different fleet insurance providers. Fully assessing the market before you commit to an insurer will guarantee that you’re getting the best deal.

You can compare the best mini fleet insurance quotes right here with SimplyQuote.


Employ drivers aged 25 and over with a clean driving record

Each of your named drivers will have an impact on the overall cost of the policy. As a result, trying to employ drivers who are over 25 and have clean licenses will help bring the expense down.


Use telematics

Install telematics devices (also called a black box) in each of your vehicles. These devices track driving behaviour, and the data is sent to the insurance company. If you drive risk-free, then your premiums will be lowered.

How To Compare Mini Fleet Insurance Quotes With SimplyQuote?

  1. Fill in our short form: Just tell us a bit about your vehicles, named drivers, and where you park and drive.
  2. Select add-ons: Choose your extra protection.
  3. Compare mini fleet insurance quotes: Quickly get quotes from different insurance companies.
  4. Save: Find the best insurance policy for your fleet of vehicles.
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Frequently Asked Questions

What is mini fleet insurance?

Mini fleet insurance is a type of insurance cover that’s tailored to individuals or companies looking to insure between 2 to 15 vehicles. These vehicles can be cars, vans or minibuses.

It’s a great option for a small business or families with several cars or vans in the household.

Is mini fleet insurance cheaper than regular insurance?

In the majority of cases, taking out a mini fleet insurance policy is cheaper than insuring each vehicle individually. Depending on the number of cars and vans you want to insure, your savings could add up to a significant amount.

Fleet insurance is cheaper per vehicle than regular insurance since the overall deal is worth more to insurers. This puts the owner of the vehicles in a strong position to negotiate the best policy deals.

Can you get mini fleet insurance for private use?

Yes! Small fleet insurance policies aren’t just for businesses – they can be used to cover multiple private vehicles too. This is a great solution if you own a number of cars and want to find the most affordable way to get them all covered.

How many vehicles are needed to qualify for mini fleet insurance?

A collection of 2 to 15 vehicles is typically considered to be a “mini fleet”. These vehicles can be cars, vans, bikes and commercial vehicles. In general, the larger the size of the fleet, the less you’ll pay per vehicle under a small fleet policy.