Small Fleet Insurance
Compare Small Fleet Insurance Quotes
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Why Compare Small Fleet Insurance Quotes at SimplyQuote?
Comparing small fleet insurance at SimplyQuote lets you quickly gather tailored quotes from top UK insurers, ensuring you find the right cover at the best price without the usual hassle.
For businesses operating a small fleet (sometime referred to as a mini fleet), efficiency and cost control are essential. However, manually gathering and comparing quotes from various insurers can be both time-consuming and overwhelming. That’s why SimplyQuote has streamlined the process.
Our partnership with Quotezone brings together a network of reputable fleet insurers, making it easier for you to access impartial, competitive quotes—all from a single-entry point. By sharing your fleet details once, you can instantly compare multiple policies, highlighting options that align with your operational and financial needs.
Whether your fleet includes vans for deliveries or a mix of vehicles for staff transport, the tool cuts through the noise. You’ll see what’s included, how policies differ, and get clear pricing—all in one place—so you can make confident, informed decisions without the stress of back-and-forth negotiations.
Why Do I Need To Get A Quote?
To get a small fleet insurance quote you’ll need to provide some key details about your fleet and drivers.
Typically, you’ll need to share:
- Your business name and address
- The number of vehicles in your fleet
- Vehicle types and usage
- Driver details, including ages and experience
- Any existing claims history or no-claims discounts
Having this information readily available helps you receive accurate, tailored quotes that reflect your fleet’s specific circumstances. Remember, insurers use this data to calculate risk and determine the most suitable cover and pricing.
For example, if your drivers have clean driving records and your vehicles are well-maintained, you may be eligible for lower premiums. Likewise, specifying your fleet’s usage—whether it’s local deliveries, national haulage, or general business transport—helps insurers match you with policies that truly suit your operational needs.
By gathering these details in advance, you’ll streamline the quote process and receive competitive offers more quickly.
Why Do I Need Small Fleet Insurance Cover?
Small fleet insurance cover ensures you meet legal obligations, protect your vehicles, and safeguard your business operations from costly disruptions.
Running a small fleet comes with various responsibilities—each vehicle and driver contributes to your bottom line. Legally, any vehicle driven on UK roads must be insured. Beyond the law, small fleet insurance shields your business against unexpected incidents like accidents, theft, or vandalism.
For example, if one of your delivery vans is involved in an accident, the financial fallout could be substantial—repairs, legal costs, or compensation claims could easily strain your budget. Small fleet insurance steps in to cover these expenses, letting you continue running your business with minimal disruption.
Moreover, having a comprehensive small fleet insurance policy can demonstrate to clients and partners that your business is reliable and well-protected. This trust factor can be vital in competitive industries where reputation and reliability are everything.
Looking for small fleet insurance? Get your quote today!
Get QuotesWhat Does Small Fleet Insurance Cover Include?
Small fleet insurance policies typically cover accidental damage, theft, third-party claims, and more, helping you keep your business vehicles protected and on the road.
A standard small fleet insurance policy often includes:
- Accidental damage: Covers repairs or replacement if your fleet vehicles are damaged in an accident.
- Theft and vandalism: Protection if your vehicles are stolen or damaged maliciously.
- Third-party liability: Covers injury or damage caused to other people or property.
- Fire damage: Repairs or replacements if a vehicle is damaged by fire.
- Windscreen and glass cover: Repairs or replacement of glass parts without affecting your no-claims bonus in some cases.
Here’s a helpful table outlining common inclusions:
| Cover Type | Included? |
|---|---|
| Accidental damage | Yes |
| Theft and vandalism | Yes |
| Third-party liability | Yes |
| Fire damage | Yes |
| Windscreen and glass | Often included |
| Courtesy vehicle | Available as an optional extra in many policies |
For instance, if your delivery van is damaged in a road accident or stolen overnight, your small fleet insurance would step in to cover the costs—reducing downtime and financial strain.
It’s worth noting that while these are standard inclusions, policies can often be tailored further with optional add-ons, such as breakdown cover or goods-in-transit insurance, to match the unique needs of your business.
What’s Not Included?
Small fleet insurance typically excludes general wear and tear, mechanical breakdowns, and activities outside normal business use.
While small fleet insurance offers comprehensive protection, it’s important to understand the limits of cover. Policies generally do not include:
- Wear and tear: Damage from daily use or age-related issues.
- Mechanical breakdowns: Failures not caused by accidents or external damage.
- Unlicensed or unauthorised drivers: If someone without proper licensing or insurance drives a vehicle, cover may be void.
- Deliberate or fraudulent acts: Any damage caused intentionally or through misrepresentation.
- Activities outside agreed business use: For example, using fleet vehicles for racing or unapproved transport.
To make it easy to see what’s excluded, here’s a clear table:
| Common Exclusion | Explanation |
|---|---|
| Wear and tear | Damage from regular use, not accidental damage |
| Mechanical breakdowns | Engine failures or electrical faults not linked to accidents |
| Unlicensed or unauthorised drivers | Claims involving drivers without valid licences or insurance |
| Deliberate damage or fraud | Damage caused intentionally or due to insurance fraud |
| Unapproved vehicle use | Racing, competitions, or undeclared commercial use |
For example, if your vehicle’s gearbox fails due to wear over time, repairs wouldn’t be covered. Similarly, if an unlicensed driver is behind the wheel, your claim could be denied.
Understanding these exclusions helps ensure you’re properly protected and can plan for any gaps in cover that might need additional policies or risk management strategies
How Much Does Small Fleet Insurance Cost?
The cost of small fleet insurance varies significantly depending on factors like fleet size, driver history, vehicle types, and business use.
Generally, small fleet insurance premiums start from around £1,000 per year, but costs can climb higher depending on the complexity and risks of your business.
Several key elements affect the final price:
- Fleet size: More vehicles usually means higher premiums, but combining them under one policy can be more cost-effective than separate policies.
- Driver age and experience: More experienced drivers with clean records can help keep costs down.
- Vehicle types and uses: Vans, lorries, and mixed-use vehicles come with different risk profiles, affecting costs.
- Annual mileage: Higher mileage typically means higher premiums due to increased exposure.
- Claims history: Businesses with a no-claims record may secure discounts.
Here’s a simplified table highlighting these pricing factors:
| Pricing Factor | Typical Impact |
|---|---|
| Fleet size | Larger fleets may pay more, but gain economies of scale |
| Driver experience | Clean driving records reduce premiums |
| Vehicle types | Specialist vehicles (e.g. refrigerated vans) can cost more |
| Annual mileage | Higher mileage increases risk and premiums |
| Claims history | No-claims bonuses can significantly lower costs |
For instance, a small fleet of 5-10 vehicles driven locally by experienced drivers might expect an annual premium of around £1,500–£2,500. Businesses with more vehicles, higher mileage, or riskier use (like long-distance haulage) may see premiums above £3,000.
Comparing multiple quotes is essential to ensure you’re not overpaying—different insurers assess risk in different ways, so a tailored approach can save you money.
How Can I Save Money on Small Fleet Insurance?
Finding ways to save on small fleet insurance is about more than just securing the cheapest premium. It’s about identifying smart strategies that reduce risk and build trust with insurers.
For many businesses, premiums are a significant outlay—so taking an active approach can make a real difference. For instance, insurers tend to offer discounts for well-managed fleets. If your drivers maintain clean records and you invest in vehicle tracking systems, you’re seen as a lower risk—often translating to lower premiums.
But don’t stop there. Think about how your business operates:
- Could you cut back on mileage for certain vehicles?
- Are there older vehicles you’re insuring but rarely use?
- Have you reviewed your cover recently to ensure you’re not paying for features you no longer need?
Here’s a real-world example: A delivery company reduced their premium by 20% after switching to annual payments and installing a telematics system. By sharing this data with their insurer, they proved they were managing their fleet responsibly, earning a more competitive quote.
Remember, it’s not always about accepting the first offer. Comparing multiple quotes remains one of the most effective ways to find value—and at SimplyQuote, you can do this quickly and efficiently.
How To Compare Small Fleet Insurance Quotes At SimplyQuote?
Comparing small fleet insurance quotes at simplyquote.co.uk is quick, tailored, and designed to save you hours of admin.
You no longer need to call around to multiple insurers or fill in endless forms. Instead, you enter your details once and get real-time quotes from a range of trusted UK insurers—all in one place.
For example, a small delivery business needing insurance for five vans can use simplyquote.co.uk’s platform to see exactly how cover and costs compare across different insurers. The tool breaks down not just pricing but also what each policy covers and any additional features you might need.
Here’s how it works in practice:
- Step 1: Provide your details – You’ll enter essential information about your vehicles, drivers, and how your fleet is used.
- Step 2: View tailored quotes – The platform instantly retrieves offers or puts you in contact with brokers that match your requirements.
- Step 3: Compare and select – You can review cover levels, check for exclusions, and make sure the policy fits your business before deciding.
With data security in mind, simplyquote.co.uk ensures your details are protected at every stage. Plus, through our partnership with Quotezone, you’re tapping into one of the UK’s largest insurance comparison networks—helping you find policies that match your exact needs, not just the cheapest available.
Frequently Asked Questions
Yes. Small fleet insurance covers multiple vehicles under one policy, streamlining administration and often reducing overall costs compared to insuring each vehicle separately.
Definitely. Drivers with clean records tend to reduce your fleet’s risk profile, potentially lowering premiums. Previous claims or convictions usually increase costs.
Some policies offer European cover as standard or as an add-on. Always check this before driving abroad to avoid gaps in protection.
With SimplyQuote, you can compare tailored quotes instantly. In many cases, you can secure cover the same day—ideal for growing businesses.
Yes. Most fleet policies offer flexibility to add or remove vehicles as your needs change, though this may affect your premium.
Policies usually allow for flexibility in mileage, but some insurers may impose limits or conditions. Always review the terms carefully.
Even if vehicles are parked, insurance is required if they’re kept on public roads. SORNed vehicles don’t need insurance if off-road and declared to the DVLA.
It depends on the insurer. Some fleet policies restrict cover for younger drivers due to higher risk, while others offer tailored options—just compare quotes carefully.
Written by Chris Richards
Page last reviewed on 6th June 2025 by Chris Richards