Motor fleet insurance brings a business’s vehicles together under one policy. It is often available for two or more vehicles, depending on the insurer, vehicle types and how they are used.
Cars, vans, trucks and HGVs may be considered. The right arrangement depends on your operation, drivers, claims history and the insurer’s eligibility criteria.
What can motor fleet insurance cover?
The main levels of motor cover are:
- Third party: cover for liability for injury to other people or damage to their property, subject to the policy terms. It does not cover accidental damage to your own vehicle.
- Third party, fire and theft: adds cover for insured fire and theft losses involving your vehicle, subject to the policy terms.
- Comprehensive: generally adds accidental damage cover for insured vehicles. Excesses, exclusions, driver restrictions and other conditions still apply.
Are tools, goods and vehicle contents included?
Do not assume they are. Tools, stock, goods in transit and other contents may be excluded or subject to limited benefits. They may need a specific extension or separate policy. Tell us what you carry so we can discuss your requirements and check the proposed wording.
Medical expenses, replacement vehicles, breakdown assistance and similar benefits also vary by insurer and policy. We will explain the features of the particular cover proposed.
Is a fleet policy legally required?
Motor insurance is required to drive vehicles on UK roads, with third party insurance the legal minimum. A fleet policy is one way to arrange motor insurance for multiple vehicles; a fleet policy itself is not a separate legal requirement. See GOV.UK motor insurance guidance.
Why consider a fleet policy?
A fleet arrangement can simplify administration and renewal dates. It may be more cost-effective than separate policies, but savings are not guaranteed. We review the options in light of your requirements.
Examples from our fleet work
A client looking for better service
The problem: a client was dissatisfied with their existing broker’s service.
Our approach: we reviewed available fleet options and explained the cover and administration fee.
The outcome: the client obtained a more competitive policy while maintaining their level of cover.
A fresh review after 25 years
The problem: a client had been with the same broker for 25 years and wanted to explore an alternative.
Our approach: we reviewed their fleet requirements and available options.
The outcome: the client moved their insurance to us with a reported saving of £1,500.
These are individual examples, rather than a promise of the same price, cover or outcome for another business. Every quotation is subject to insurer terms and underwriting.
What happens after an enquiry?
Prepare your vehicle list, driver information, vehicle uses, renewal date and claims experience. Our team will discuss your requirements, explain any further information needed and agree the next steps with you.
Explore our motor fleet insurance service or contact the team. For a time-sensitive enquiry, call 0333 577 1477.