Motor Fleet Insurance Quotes

• Insuring multiple vehicles under one policy often results in lower premiums compared to insuring each vehicle separately.

• Bulk discounts may be available for businesses with larger fleets.

• Third-party liability: Covers damage to others or their property.

• Comprehensive cover: Protects your vehicles from damage, theft, and vandalism.

• Goods in transit: Ensures that the goods you’re transporting are covered while on the move.

• Easily add or remove vehicles from the policy as your fleet changes.

• Policies can be tailored to cover different types of vehicles, including cars, vans, trucks, and HGVs.

• Includes cover for drivers, offering protection in case of injury or accidents while using the vehicles for work.

• Any driver fleet insurance allows flexibility by covering all authorised drivers without needing to list them individually.

• Policies can be adapted to suit the specific nature of your business, whether you’re in delivery, construction, or transportation.

• Cover options can be adjusted to meet the particular risks faced by your fleet.

• Helps businesses manage and mitigate risk by providing cover for accidents, theft, and damage to vehicles and goods.
• With comprehensive cover, you can protect your fleet from unexpected events that could otherwise lead to significant financial losses.

• Ensures your fleet meets legal requirements, such as third-party liability insurance, to avoid penalties and fines.

• Keeps your business compliant with regulations regarding insurance for commercial vehicles.

• With motor fleet insurance, you can operate your business knowing your vehicles, drivers, and goods are protected, allowing you to focus on your business operations.

• Some insurers offer discounts for safe driving, telematics usage, and vehicles that are well-maintained.

• A good claims history can also lead to lower premiums on future renewals.

Mixed fleet policies allow you to insure multiple vehicle classes, such as cars, vans and HGVs, under one contract, with unified renewal dates and simplified admin.

Yes. Many insurers now include EVs, hybrids and charging‑infrastructure risks within motor fleet policies, often with specialist repair networks.

Courier fleets typically require higher mileage cover, goods‑in‑transit protection, and time‑critical breakdown support, which are built into specialist courier fleet policies.

Taxi fleets require hire & reward cover, public liability, and passenger liability, which are added to standard motor fleet insurance to meet licensing requirements.

Yes, if they are used for business purposes. These are often added as “grey fleet” vehicles, subject to driver checks and usage declarations.

Telematics devices track driver behaviour, allowing insurers to reward safer driving, reduce claims, and offer usage‑based pricing for fleets.

Insurers typically require vehicle lists, driver details, claims history, annual mileage, vehicle usage, and operating locations.

Yes. Motor fleet insurance is designed for flexibility, allowing you to add, remove or replace vehicles at any time with pro‑rata adjustments.

Many policies include EU or international cover, but this varies by insurer. You may need green cards or extended territorial cover for overseas trips.

Short‑term fleet cover can be arranged for seasonal businesses, allowing you to insure vehicles only when they are in use, reducing annual costs.

Insurers often reward fleets with CCTV, tracking devices, secure overnight parking, immobilisers, and driver training programmes.

Yes. Policies can be set up for any driver over the age of 18, 25, 30, a named driver, or an age‑restricted driver, depending on your risk appetite and budget.

Fleet policies often include dedicated claims handlers, 24/7 reporting, and replacement vehicle support, helping minimise downtime.

HGV fleets require specialist cover for heavy loads, long‑distance driving, tachograph compliance, and higher vehicle values, which are built into HGV fleet policies.

Yes. Leased, financed or contract‑hire vehicles can be included, provided the policy meets the lender’s insurance requirements.

Fleet policies scale easily, allowing you to add vehicles, expand driver lists, and adjust cover levels without needing new individual policies.

Most insurers start at two vehicles, though some specialist brokers may accept single‑vehicle fleets for businesses planning to expand.

Breakdown cover is usually an optional add‑on, offering roadside assistance, recovery, and sometimes replacement vehicles for business continuity.

Risk is based on driver profiles, vehicle types, claims history, industry sector, annual mileage, and risk‑management measures such as telematics.

RHA – Road haulage Association – The only UK Trade Association Dedicated Solely to the Needs of UK Road Transport Operators.

FORS – The Fleet Operator Recognition Scheme (FORS) is a voluntary accreditation scheme for fleet operators which aims to raise the level of quality within fleet operations and to demonstrate which operators are achieving exemplary levels of best practice in safety, efficiency, and environmental protection.