Fleet Insurance

Compare Fleet Insurance

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Compare Fleet Insurance

Managing insurance for multiple commercial vehicles can be a challenge, especially if you employ multiple drivers who aren’t assigned to one specific vehicle. Insuring multiple vehicles and drivers individually can be inconvenient and create extra work for your business, that’s why opting for fleet insurance is a better option.

By insuring your vehicles with a fleet insurance policy, you can save both time and money. Quotezone.co.uk can help you do a fleet insurance comparison to find the best deals for your company’s motor fleet.

What is fleet insurance?

Insuring a fleet of vehicles will be outside the coverage of your standard business insurance. This means you’ll need to take out a fleet insurance policy in order to get the necessary cover for your commercial vehicles. Whether you require fleet van insurance or fleet car insurance or even a mixture of motor vehicles to be insured, a fleet insurance policy will be able to offer the cover you need. Company fleet insurance policy offers the following coverage that standard car and van insurance polices won’t.

Insure multiple commercial vehicles

A fleet insurance policy will allow you to insure multiple commercial vehicles under a single, easy to manage policy.

Insure multiple drivers

If you employ multiple drivers, a fleet insurance policy can cover your multiple drivers under one policy. This means you won’t need to individually insure each driver in your employment.

Driver flexibility

Fleet insurance can let you insure multiple drivers for multiple vehicles. This means all your employed drivers can be covered to operate all your fleet vehicles – making your insurance coverage easier to manage. This is commonly referred to as ‘any driver’ cover.

Does vehicle fleet insurance come with exclusions?

Wear and tear of your fleet vehicles as they age, illegal use of fleet vehicles, intentional damages and driving under the influence of drugs or alcohol are all excluded under fleet insurance. Allowing drivers not named under your policy to operate fleet vehicles will also be excluded and likely void your insurance. Some additional exclusions for fleet insurance include.   No claims discount (NCD) – unlike individual car insurance, motorbike insurance or van insurance policies, if you insure a fleet of vehicles under a single fleet policy you usually won’t earn a no claims bonus for those vehicles. Theft from unattended vehicles – if a van or car in your fleet is left unattended you could find that your insurer won’t pay to replace tools, goods or belongings stolen from that vehicle. Theft by deception – this is a typical exclusion for many insurance policies, not just fleet insurance. It includes situations like handing over keys to someone posing to be an employee in order to steal fleet vehicles.

Types of fleet insurance

Third-party only fleet insurance (TPO)

Third party fleet insurance will cover you for damage caused to third parties by your vehicles. It is the minimum legal requirement for operating a motor vehicle on UK roads. You can also cover your fleet against fire and theft through a third-party, fire and theft policy.

Comprehensive fleet insurance

A comprehensive fleet insurance policy can cover you for loss or damage to your fleet vehicles, even if your drivers are at fault. It will also cover you for third-party damage along with extras such as windscreen cover and contents cover.

How many vehicles do I need for fleet insurance?

The exact number of vehicles that are needed to qualify for a fleet insurance policy can vary across different insurers. Most insurers will set their own minimum and maximum vehicle number for a fleet insurance policy. Some policies will cover as few as two vehicles whilst some large providers can offer coverage for hundreds of fleet vehicles.

How much does fleet insurance cost?

The exact cost of your fleet insurance policy will depend on unique factors such as the size of your fleet, your business type, the number of employees and the types of vehicles in your fleet. Because of this it is not possible to give an accurate cost without taking out a company fleet insurance quote for your business. Fleet insurance is usually a cheaper alternative to insuring multiple commercial vehicles and drivers individually with separate policies. The more convenience a fleet insurance policy offers, the more expensive these policies tend to be.

How to get cheap fleet insurance

There are a few things that can be done to cut the cost of your commercial fleet insurance premiums. Only employ experienced drivers with a clean driving history Keep your fleet parked in a secure overnight location Make drivers pay their own excess – this can incentivise safe driving Install dashcams on your fleet vehicles Consider that insurers may exclude any drivers under the age of 25 Avoid modifying your fleet vehicles  

What type of add-ons can I include with my fleet insurance policy?

You’ll be able to add on other types of insurance coverage to your policy to give your fleet the extra protection it needs, for example common add-ons include: Breakdown cover – Not typically included as standard on fleet policies but can prove invaluable if one of your drivers needs roadside assistance. Goods in transit insurance (GIT) – This covers any goods you’re transporting that meet your insurers criteria. Carriage of own goods – This Insures tools or equipment you own while in transit. This sometimes falls under GIT insurance but isn’t always automatically included. If you need it, it’s vital to check that it’s part of your GIT policy before making a purchase. Hire and reward – If you transport other people for money then you’ll need this type of insurance. Employers’ liability Insurance – In the UK, you’ll need this by law if you have any employees. It pays the costs if a member of staff becomes ill or is injured because of work. If you employ staff without this type of insurance you could be fined £2,500 for every day you go without it. Employers liability insurance is usually set up when you start operating your business, however if your fleet is new you can have this added to your policy. Public liability Insurance – This pays legal fees and compensation if a member of the public has an accident or has their property damaged and blames your business. Personal effects cover – This covers any personal possessions that are stolen or damaged from your vehicle. Legal expenses cover – This pays legal fees if you need to go to court. Replacement locks – In case vehicle keys are lost or stolen, this will cover the cost of installing replacement locks. Trailer cover – This covers you to tow trailers depending on what you have (like a horse box, boat trailer or a flatbed).

Why compare fleet insurance with Quotezone?

Here at Quotezone we work with over 25 motor fleet insurance specialists to help you find cheap fleet insurance. Simply tell us about your business and vehicles and the level of coverage you require, then we will match you with our panel of fleet insurance specialists who will be in touch with cheap fleet insurance quotes.

Frequently asked questions

What vehicles can I cover with fleet insurance?

You’ll be able to insure a diverse range of different vehicles under a standard fleet insurance policy, provided they aren’t modified in a disqualifying way. For example, cars, vans and motorbikes can all be covered under a single policy (sometimes known as a ‘multi-vehicle’ fleet policy). The benefits of such a policy are that you can cover varying vehicle types from your fleet under one insurance plan for convenience.

Who needs fleet insurance in the UK?

Fleet insurance is aimed at anyone who needs to insure more than one vehicle, like taxi firms, courier companies or businesses that provide their staff with company cars.

If you’ve got specialist vehicles in your fleet you’re likely to need a more tailored policy though. For example, if you’re a haulier you’ll need HGV fleet cover because standard fleet insurance doesn’t usually extend to HGVs.

Is fleet insurance just for businesses?

The short answer is no. Despite being traditionally associated with businesses only, this type of insurance can be purchased by both businesses and private vehicle owners alike. Fleet insurance is sometimes used to refer to a multi-car insurance policy for large families or households with multiple cars, which is why the term can sometimes cause confusion. Some of the following terms are commonly used to refer to fleet insurance.

Will fleet insurance cover all my employees to drive any fleet vehicle?

Many fleet insurance policies operate on a ‘any authorised driver’ basis. This means that if a driver has the permission of the company or its directors, then they are insured by the policy. Many businesses opt for ‘any driver’ as this can help to simplify the process of managing your fleet. It eliminates the need to update your policy each time a driver changes or a new driver is added to the fleet. This reduces the admin time your business will spend trying to organise your fleet insurance policy and dealing with any claims.

Is fleet insurance more expensive?

Fleet insurance will typically be more expensive than standard motor insurance, especially if your policy includes ‘any driver’ or ‘any vehicle’ cover. The benefit of fleet insurance however is that it usually works out cheaper than insuring multiple fleet vehicles individually. Many insurers also offer discounts for the more vehicles you insure with them.

Does fleet insurance cover private use?

As many businesses allow for employees to operate company vehicles in a private capacity, it is important to ensure that this use is covered under a potential fleet insurance policy. Usually private use is excluded under standard fleet insurance but can be included as a coverage add-on.

What is mini fleet insurance?

Mini fleet insurance is essentially the same as a standard private or commercial fleet insurance policy. The key difference is that a mini fleet insurance policy is usually for small business fleets typically operating between 2 and 5 vehicles.

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