Small & Large Commercial Fleet Insurance

Simplify your commercial fleet management operations with a single, cost-effective policy that covers all of your vehicles. We offer a range of products designed with your particular business in mind. Whether you have a small fleet of 2 or 3 vehicles or a larger fleet we can arrange a policy that will provide the right solution for your business.

Our insurers can offer cover for:

  • Windscreen Repairs
  • Europe
  • Any Driver
  • Replacement Vehicles

With 24 hour accident report lines and the option to include Breakdown Cover we can arrange a hassle free insurance policy for you or your business. We can also arrange to update the Motor Insurance Database for you.

Get in touch with us today and let us look after your fleet so you can look after your business.

We work with all of the main UK insurers so we can offer expert advice to ensure your business is well protected. For the peace of mind that you have the right business insurance cover please give us a call on 01603 954841, send us an email or pop in and see us.

Frequently Asked Questions

  • Is Fleet Insurance just for cars and vans?

Commercial Fleet insurance is designed to cater for businesses who will naturally have a variety of vehicle classes such as cars, vans, minibuses, trucks, HGVs or “Special Types”.

  • How many vehicles are required for a fleet policy?

Typically fleet insurance is aimed at businesses with 3 or more vehicles.

  • Is Breakdown Cover included within a fleet policy?

Breakdown cover is not normally included as standard but there can be the option to included this if required.


What is fleet insurance?

Fleet insurance is a type of commercial insurance that covers a group of vehicles owned by a single business. Fleet insurance can provide coverage for a variety of risks, including accidents, theft, and damage to third-party property.

How does fleet insurance work?

Fleet insurance allows for a business to have a single policy and renewal date for all of their vehicles. The policies themselves are often not dissimilar to the car or van insurance you are probably accustomed to, but they are much more straightforward to administer.

How many vehicles are required for fleet insurance?

Fleet insurance offers the most benefit to those who have 5 or more vehicles. Some insurers will offer fleet insurance from 2 or more vehicles, but there are few who do and you will often find that it can be cheaper to insure less than 5 vehicles individually.

Can anyone drive on fleet insurance?

Fleet insurance is usually on an 'any driver' basis. However, there are usually conditions to this. These could include:
- Drivers needing to have held their licence for a certain period of time, such as 12-24 months.
- Drivers over a certain age (fleet insurance is usual on an any driver over 21/25/30 basis).
- Drivers being required to report any motoring offences or prior bans prior to being allowed to drive.
If you're ever unsure about the conditions that apply to your own policy, we would always recommend speaking to a professional insurance broker to ensure that you are covered correctly.

Does fleet insurance cover personal use?

Yes, fleet insurance typically covers personal use of the vehicles in the fleet, as long as the driver is authorised by the policyholder to do so. However, employees cannot usually insure their own personal vehicles on a company fleet, with the exception of directors.

How is fleet insurance calculated?

The cost of fleet insurance is calculated based on a number of factors, including the type of vehicles in the fleet, the age of the vehicles, the driving history of the employees, the level of coverage desired, the business activities and the business's claims history.

What does fleet insurance cover?

Fleet insurance is typically on a comprehensive basis and will include cover for:
- Accidents: This includes damage to your car caused by another driver, even if you are not at fault.
- Theft: This includes damage to your car if it is stolen.
- Fire: This includes damage to your car if it is destroyed by fire.
- Flood: This includes damage to your car if it is damaged by flood water.
- Vandalism: This includes damage to your car if it is damaged by someone who is not the owner.
- Natural disasters: This includes damage to your car caused by natural disasters, such as earthquakes, hurricanes, and tornadoes.
- Accidental damage: This includes damage to your car caused by events that are not covered by other types of insurance, such as hitting an animal or falling into a pothole. Comprehensive car insurance is not required by law in the UK, but it is a good idea to have it. It can protect you from financial loss if your car is damaged or stolen.

Can I transfer my fleet insurance policy to new vehicles or remove vehicles from the policy?

Of course! One of the benefits of insuring on a fleet basis is that you can make as many changes as you like throughout the policy. These might be on an as and when basis or via periodic declarations to the insurer (such as once a quarter or once every six months).

Can I customize my fleet insurance policy to meet the specific needs of my business?

Absolutely. We would always look to arrange an insurance solution personal to you. Whether this is on a comprehensive, third-party, fire and theft or third-party only basis. We can look to include breakdown and ensure that your policy allows for the driving of all current and future planned employees.

Can I add coverage for hired or borrowed vehicles to my fleet insurance policy?

Yes, your policy will usually allow for the addition of hired, leased or loaned vehicles as standard, presuming they are being used in line with your standard business activities.

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