Compare Cheap Fleet Insurance
Fleet Insurance
Find flexible fleet insurance quotes designed for UK businesses running multiple vehicles.
Easy & Simple Process – Compare cheap fleet insurance.
Tailored Options – For mixed fleet, cars, vans, HGVs – from 2+ vehicles.
Choose From – Named or any-driver policies (21+, 25+, 30+).
Compare fleet insurance quotes with some of the UK's top fleet brokers, including:
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How it works?
Complete the Simple Form
Provide details about your business, fleet vehicles, and driving history.
Compare Prices
Compare from multiple UK providers to find the best value and features.
Purchase Cover
Select the policy that fits your business and purchase directly with the provider.
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Why Compare Fleet Insurance with Mymoneycomaprison.com
Managing a fleet of vehicles comes with unique responsibilities, risks, and costs. Ensuring your business has the right fleet insurance is essential to protect your vehicles, drivers, and operations. Comparing quotes from multiple providers helps you find the best policies while saving time and money.
Fully Authorised & Regulated
We are Financial Conduct Authority (FCA) authorised and fully regulated, ensuring you receive a trusted and compliant service
Make Informed Decisions
Our panel providers will provide you with clear, easy-to-understand insurance quotes and policy details, which lets you choose the right cover for your business, giving you confidence in your insurance decision.
Find the most Affordable Quotes & Fleet Cover
Find tailored insurance quotes for all types of vehicles including cars, vans, HGVs, taxis, and mixed fleets, ensuring you only pay for the protection your business needs.
Save you Time & Reduces Hassle
We help you save time searching the internet for a fleet insurance quote by helping you match the right provider with your fleet requirements which can help you save money and time.
Access Multiple Broker Quotes
Compare offers from trusted UK insurance providers in one place, giving you a complete view of available options.
Large Panel of Specialist Providers
We have partnered up with an extensive network of top UK providers who have the experience and knowledge to provide you with specialist fleet insurance quotes which meet your business fleet needs.
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What is fleet insurance?
Fleet insurance is a niche, specialised business policy designed to protect multiple vehicles owned or operated by companies under a single policy. Instead of managing individual insurance policies for each car, van, or HGV, fleet insurance allows you to consolidate all your vehicles in one comprehensive policy, covering all vehicles and all your drivers in one policy. This not only simplifies administration but can also help reduce overall insurance costs.
If your business operates two or more vehicles, fleet insurance is an efficient and convenient way to ensure your entire fleet is properly covered.
Fleet insurance is often referred to by various names, depending on the provider or type of vehicles covered; these include:
Company Fleet Insurance
Family Fleet Insurance
Fleet Business Insurance
Fleet Policy
Multi-Vehicle Insurance
Who can drive vehicles under a fleet insurance policy?
Selecting which drivers to include on your fleet insurance policy is an important decision, as it can directly affect your premiums and cover.
Named Drivers vs Any Driver Policies
- Named drivers: Covers only the specific individuals who are listed on your policy.
- Any driver: Allows any legally licensed and qualified driver to operate a vehicle with the fleet, provided they have your company’s permission; any driver fleet insurance covers anybody over the age of 21, 25, or 30.
Age Restrictions and Experience Requirements
Most fleet insurance providers have minimum age requirements, often excluding drivers under 21’s, although this can vary with each provider. It’s important to check these details if your business employs younger drivers.
Adding Drivers During the Policy
Many insurers allow businesses to add drivers or upgrade from a named driver policy to an any driver fleet policy during the policy term. This flexibility accommodates changing staff and evolving business needs.
How many vehicles are covered under a fleet insurance policy?
The number of vehicles you can include on a fleet policy varies between providers. On our platform, you’ll speak to providers who can cover as little as 2 vehicles, depending on the type of business and fleet. Each insurance company sets its own minimum and maximum fleet sizes, which it can deal with, tailored to the businesses it specialises in.
Who can get fleet insurance?
Fleet insurance is designed for businesses that operate two or more vehicles. It’s suitable for a wide range of companies, including:
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Commercial Businesses: Sales teams, service providers, contractors, and utility companies.
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Transport Operators: Taxi companies, private hire firms, and shuttle services.
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Passenger Services: Schools, charities, coach and minibus operators.
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Delivery & Logistics: Courier companies, parcel delivery, and food delivery businesses.
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Specialist Fleets: Electric vehicle fleets, HGVs, refrigerated trucks, or mixed vehicle fleets.
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What types of vehicles are covered by fleet insurance?
Fleet insurance is designed to protect all the vehicles operated by your business under one single fleet policy, making the admin simpler and ensuring every vehicle is fully compliant and legally protected.
No matter what kind of business you run – tradesmen, contractors, transporting passengers, delivering goods, managing company vehicles, or operating farm machinery, fleet insurance can be tailored to your business needs.
Cars Fleet
Small, medium, and large cars are used for business operations.
Minibus Fleet
Used for schools, charities, and businesses providing passenger transport.
Commercial Fleets
Businesses operating fleet vehicles, such as sales teams, service engineers, or field staff.
Vans & Pickup Truck Fleet
Essential transport for deliveries, trades, contractors, and logistics.
Taxi Fleet
Used for hire and reward services, usually collecting and dropping people or goods.
Electric Vehicle (EV) Fleets
Tailored policies for fleets that are fully or partially electric.
Lorries & HGV Fleet
Heavy goods vehicles, including refrigerated or specialist trucks.
Coach & Bus Fleets
Covers private hire coaches, public transport, tour buses, and charitable transport services.
Motorcycles & Scooters Fleet
Often used by couriers, delivery services, or agile transport businesses.
What are the benefits of fleet insurance?
Cost Savings
Multi-vehicle insurance policies often come with discounts (especially for larger fleets) compared to insuring vehicles individually.
Simple Administration
One fleet insurance policy covers all vehicles, reducing paperwork and management complexity, compared to many single vehicle policies.
Customised Cover
The type of policies can be tailored to your fleet size, vehicle types, drivers needs and business operational requirements.
Any Driver Option
Flexibility around multiple authorised drivers to operate vehicles within your fleet without the need separate policies.
Comprehensive Protection
Covers vehicles, drivers, and third-party liabilities in one policy.
Reduced Risk of Underinsurance
Ensures all vehicles in the fleet are adequately insured to avoid gaps in protection.
Easier Claims Management
Single point of contact for all claims, streamlining the process.
Optional Add-Ons
Breakdown cover, goods in transit, legal expenses, or replacement vehicle options can be included.
What does fleet insurance cover?
Usually covered
Accidental damage – Cover for damage to your own vehicles.
Any driver fleet insurance – Allows multiple authorised drivers to operate the vehicles.
Breakdown assistance – Roadside assistance and recovery services.
Fire & theft – Protection against vehicle fire or theft.
Goods in transit – Coverage for items being transported in your fleet vehicles.
Hire replacement vehicles – Temporary replacement vehicles while yours are being repaired.
Personal accident – Injury cover for drivers or passengers.
Third-party liability – Protection against injury or property damage caused to others.
Windshield & glass damage – Repair or replacement of windows and windscreens.
Optional add-ons
Breakdown & Recovery Upgrades – Enhanced roadside assistance or national recovery services.
Cover for Trailers & Attachments – Insurance for trailers or equipment attached to your vehicles.
Extended Windscreen & Glass Cover – Comprehensive protection for all glass, including side and rear windows.
Enhanced Theft Protection – Additional security measures or coverage for high-value vehicles.
Legal Expenses Cover – Expanded legal support for accidents, claims, or disputes.
Medical & Personal Accident Cover – Increased benefits for drivers and passengers.
Tools & Equipment Cover – Protects tools, machinery, and business equipment stored in your vehicles against theft, damage, or loss.
European / Overseas Driving Cover – Extends insurance protection for fleet vehicles when driving in Europe or other specified countries.
Usually not covered
Wear and tear / mechanical failure – Damage from regular use or old parts.
Uninsured drivers – Vehicles driven by someone not authorised or without a valid licence.
Unsecured tools or equipment – Items stolen or damaged if not properly secured in the vehicle.
Illegal activities – Any damage or claims arising from illegal use of the vehicle.
Water damage caused over time (e.g. dripping pipe)
Damage to personal belongings – Items not related to business or fleet operations inside the vehicle.
Vehicles used outside policy terms – Driving for purposes not listed in the policy, e.g., hire for personal use if restricted
Deliberate damage – Intentional damage caused by the driver or another party.
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Compare fleet insurance cover options
1
Third Party Only
The basic level of cover for a fleet insurance policy meets the minimum legal requirement. It provides protection against costs arising from damage or injury caused to third parties.
2
Third Party, Fire and Theft
This level of cover builds on third-party only insurance by also protecting your fleet vehicles against fire damage or theft.
3
Fully Comprehensive
This is the highest level of fleet insurance cover, this covers vehicles and drivers in the event of an accident, as well as third parties involved.
For small and medium-sized businesses with a limited number of vehicles, fully comprehensive fleet insurance is often the preferred choice. Larger corporate fleets with many vehicles may instead select third-party only cover, sometimes referred to as self-insurance and reserving funds within their fleet budget to cover any potential losses to their own vehicle fleet.
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How much does fleet insurance cost?
The cost of fleet insurance in the UK depends on the type of vehicles in your fleet, the size of your fleet, the drivers experience, and how your vehicles are used.
On average, businesses pay between £350 and £900 per vehicle per year for comprehensive fleet cover.
Larger fleets generally benefit from lower per-vehicle costs thanks to volume discounts and improved risk data.
| Fleet Type | Typical Annual Cost Range | Average Cost per Vehicle |
|---|---|---|
| Mini Fleet (2–5 vehicles) | £1,800 – £4,000 | £350 – £800 |
| Small Fleet (6–15 vehicles) | £3,500 – £8,000 | £300 – £650 |
| Medium Fleet (16–50 vehicles) | £7,000 – £20,000+ | £250 – £550 |
| Large Fleet (50+ vehicles) | £15,000 – £50,000+ | £200 – £450 |
| Taxi / Hire & Reward Fleet | £4,000 – £15,000+ | £500 – £1,000 |
| Courier / Delivery Fleet | £3,000 – £10,000+ | £400 – £900 |
| HGV / Haulage Fleet | £8,000 – £25,000+ | £600 – £1,200 |
Comparing multiple quotes from trusted providers is one of the best ways to ensure you get the most competitive price and cover.
How can I compare fleet insurance cover?
Compare Fleet Insurance Quotes
Finding the right fleet insurance isn’t just about price; it’s about protecting your vehicles, drivers, and business. Comparing quotes helps you balance cost with cover.
- Match Cover: Include essentials like employer’s liability, goods in transit, or trailer cover.
- Cost vs Convenience: “Any authorised driver” policies save admin but may cost more.
- Look Beyond Price: Check excess, limits, and optional extras like breakdown cover.
- Compare Like-for-Like: Ensure quotes cover the same risks.
- Review Regularly: Reassess annually to avoid underinsurance or overpaying.
1. Understand your fleet requirements
Fleet vehicle types: cars, vans, HGVs, minibuses, taxis, motorcycles, or specialised vehicles.
Fleet size: What size is your fleet, is it a small 2–3 vehicle mini fleet or is it a large commercial fleets.
What’s the business use: deliveries, passenger transport, hire and reward (taxi, food delivery, parcel delivery), or general business use.
2. Decide on the level of cover needed
Basic legal requirement for fleet insurance: covers third-party liability only.
Third-party, fire and theft fleet insurance: covers third-party liability to people and property and your business fleet vehicles against fire, theft or damage due to theft atempts.
Comprehensive fleet insurance: includes damage to your own vehicles, theft, fire, and additional protections.
Any driver fleet insurance options: allow multiple employees to drive your fleet of vehicles, often with age or experience restrictions.
3. Compare multiple quotes
Use a comparison platform: you can compare several fleet insurance policy quotes in one place. mymoneycomparison.com allows you to do this with an exclusive panel of fleet insurance providers.
Call insurers direct: sometimes, insurers not on comparison websites can offer better prices, but this takes more time to repeat your details over and over.
Broker advice: fleet insurance brokers can tailor solutions to your specific business.
4. Negotiate with the insurance provider
Ask the fleet insurance broker for a discount: So brokers will want to take your business and could offer a discount or a percentage off your policy, but all you have to do is ask the question. In some cases, this will work, others may say no, sorry.
5. Check key factors about the policy
Fleet insurance premium cost: the total price for the policy, either if its an annual one of a payment with premium tax and admin fees or monthly payments if you opt for flexible monthly instalments, which would require a deposit upfront.
Excess levels: Confirm how much you or the business will pay in the event of a claim.
Fleet policy limits: maximum amounts covered per vehicle or per incident.
Any optional extras: Check if there are any add-ons you could add onto your policy which are’nt already included, like for example: breakdown cover, windscreen repair, legal assistance or replacement vehicles.
Are there any restrictions: vehicle types, drivers age, mileage limits, business activities, prsonal useage?
6. Read your policy terms carefully
Check your policy: Even if the price is competitive, make sure the policy meets your business requirements and has no hidden exclusions which could invalidate your insurance policy later on. If you see anything wrong, please contact the insurance provider and make them aware so it can be corrected.
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What add-ons can I include in my fleet insurance cover?
Adding optional add-ons can save your business time, money, and stress in the long run. While premiums may be slightly higher, extras like breakdown assistance, goods in transit cover, or replacement vehicles ensure your fleet stays operational, reduce the risk of unexpected expenses, and provide peace of mind knowing your business and drivers are fully protected.
💡 Pro Tip: Review your fleet’s specific needs and choose add-ons that address the highest-risk areas, this way, you pay slightly more upfront but avoid costly disruptions or claims later.
Goods in TransitThis cover ensures that goods being transported are protected against theft, damage, or loss. It is essential for delivery services, logistics companies, and businesses handling valuable items. Check whether the cover includes loading and unloading or only while in transit.
Breakdown and Recovery CoverOffers roadside recovery and repair services, helping get your fleet vehicle back on the road quickly. Some policies include nationwide recovery or european cover, on-site repairs, and even rental or replacement vehicles while your fleet vehicle is being repaired.
Legal Expenses InsuranceThis add-on protects your business against costs associated with lawsuits, injury claims, or vehicle accident disputes. Legal expenses insurance can include representation in court, solicitor fees, and dispute resolution.
Public Liability InsuranceCovers claims for injury or property damage caused by your fleet or staff while performing business activities. This is particularly important if your vehicles are visiting customer homes/sites or delivering goods.
Employers’ Liability InsuranceCovers claims from staff who are injured or fall ill as a result of their work. It protects your business against compensation costs and legal fees, ensuring compliance with UK employment regulations.
Windscreen and Glass CoverProvides repair or replacement of windscreens, side and rear windows, aswell as sunroofs. Some policies allow this without impacting your no-claims bonus, but check your exclusions or speak to your provider regarding this.
Replacement Vehicle CoverOffers temporary replacement vehicles while your damaged vehicles are being repaired. This ensures operations can continue without disruption or without loss to the business, especially for businesses dependent on timely deliveries.
Personal Accident CoverProvides compensation for injury or death occurring while using fleet vehicles. This can include lump-sum payments or cover medical costs, offering peace of mind for your drivers and your business.
Enhanced Theft or Fire ProtectionCovers attempted theft, arson, or fire damage that might not be fully included in a standard fleet policy. Ideal for high-risk vehicles or areas with higher crime rates.
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How can I get cheaper fleet insurance?
There are many ways to reduce your fleet insurance premiums, we have created a short table to provide some tips
Start a quote
Complete our short form to start your business fleet insurance quote. We’ll then call you to discuss your requirements and provide an insurance quote.
Speak to an expert
Advisors are just a phone call away. On average, calls are answered within 20 seconds. Lines open Monday to Friday 9:00am-5:00pm
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What are customers saying about us?
“Easy to use”
My Money Comparison made getting fleet insurance a breeze. I was able to compare multiple quotes quickly, and the process was seamless. The team really guided us through choosing the right cover for our fleet.”
John S, Business Owner
“Found Simple Fleet Insurance”
“The platform is incredibly user-friendly. speak to a lovely young man who helped us get covered at a better price than our renewal. I especially appreciated how clear and transparent the information was.”
Sarah L, General Manager
“Website is a good find”
“I found it so easy to speak to multiple brokers through mymoneycomparison and speak to 2 brokers who gave us different prices. It saved me hours of time and gave me confidence that we were getting the best deal for our fleet of 12 vehicles.”
Emma T, Fleet Operations Manager
Frequently asked questions
What is fleet insurance?
Fleet insurance is a single policy that covers multiple business vehicles under one contract. It simplifies admin, reduces paperwork, and can be more cost‑effective than insuring each vehicle individually.
How many vehicles do I need for fleet insurance?
Most insurers require two or more vehicles, although some offer mini‑fleet policies for small businesses with 2–5 vehicles, and large fleet policies for 6+ vehicles.
Can I insure different types of vehicles on one fleet policy?
Yes. Mixed fleets, including cars, vans, taxis, and HGVs, can be insured together as long as they belong to the same business.
What types of fleet insurance cover are available?
You can choose from:
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Third Party Only
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Third Party, Fire & Theft
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Comprehensive Optional extras include breakdown cover, legal protection, and windscreen cover.
Does fleet insurance cover any driver?
Many policies offer any‑driver cover, but insurers may set age limits or require additional information for younger or inexperienced drivers.
Can I add or remove vehicles during the policy?
Yes. Fleet insurance is flexible, allowing you to add, remove, or replace vehicles at any time, with premiums adjusted accordingly.
What affects the cost of fleet insurance?
Premiums depend on vehicle types, driver ages, claims history, business use, mileage, location, and security measures.
Does fleet insurance cover personal use of company vehicles?
It can, but you must request social, domestic, and pleasure cover if employees use vehicles outside of work.
Do I need named drivers for fleet insurance?
Not always. You can choose named‑driver or any‑driver policies depending on your business needs and budget.
Can I insure electric or hybrid vehicles in my fleet?
Yes. Most insurers now cover electric and hybrid vehicles, including specialist repairs and charging equipment.
Does fleet insurance include breakdown cover?
Breakdown cover is usually optional. You can add it for the entire fleet or selected vehicles.
What is telematics fleet insurance?
Telematics uses GPS devices or apps to monitor driving behaviour. Safer driving can reduce premiums and improve fleet management.
Can I get fleet insurance for courier or delivery work?
Yes, but you must declare the correct usage. Courier, delivery, and haulage work may require specialist cover, such as carriage of own goods orhire and reward cover.
Does fleet insurance cover vehicles driven abroad?
Many policies include basic EU cover, but you may need extended cover depending on the destination and duration.
Can I get fleet insurance with drivers who have convictions?
Yes. Specialist brokers can arrange cover for fleets with drivers who have claims or convictions, though premiums may be higher.
What documents do I need for a fleet insurance quote?
You’ll usually need:
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A fleet list (registrations, values, vehicle types)
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A driver list (ages, licences, claims history)
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Business details
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Claims experience (3-5 years)
Can I pay for fleet insurance monthly?
Yes. Most insurers offer monthly payment plans through finance agreements.
How can I reduce my fleet insurance premium?
You can lower costs by improving driver training, installing telematics, enhancing security, reducing claims, and maintaining vehicles well.
Does fleet insurance cover leased or financed vehicles?
Yes. Fleet policies can cover owned, leased, or financed vehicles as long as they’re operated by your business.
What is a mini‑fleet insurance policy?
Mini‑fleet insurance is designed for small businesses with 2-5 vehicles, offering the same benefits as standard fleet cover but tailored to smaller operations.
How much does fleet insurance cost?
Fleet insurance prices vary widely because insurers calculate premiums based on your vehicle types, driver profiles, claims history, business use, mileage, and location. As a rough guide, small fleets may start from a few hundred pounds per vehicle per year, while larger or higher‑risk fleets can cost more. The only accurate way to find your price is to compare quotes from specialist fleet insurance brokers who assess your exact risk profile.
Fleet insurance guides
How HGV Insurance Works in the UK?
Fleet Insurance vs Commercial Vehicle Insurance: What’s the Difference?
What Counts as a Fleet for Insurance Purposes?
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Last Updated | 5th Febuary 2026
Page updated and reviewed by Sarah Hampton – Insurance specialist
MyMoneyComparison.com connects UK businesses with specialist brokers for fleet and commercial vehicle insurance, helping compare quotes for cars, vans, HGVs and mixed fleets.
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