Fleet Insurance

Fleet insurance covers multiple business vehicles under one policy, with a single renewal and centralised admin. It can include cars, vans, HGVs or a mix, all used for business. Vehicles and drivers are updated as the fleet changes, subject to insurer terms, so a growing business manages cover in one place rather than juggling separate policies.

Most insurers treat two or more vehicles as a fleet, though the exact threshold varies. Smaller groups may be written as a mini fleet, while larger operations are assessed on their combined risk. The right structure depends on your vehicles, drivers and how the business uses them, subject to insurer criteria.

Fleet insurance is not automatically cheaper, but combining vehicles under one policy can reduce admin and simplify renewals. Pricing reflects your vehicles, drivers, claims record and cover level rather than a fixed rate. Whether it works out cheaper than separate policies depends on your fleet and insurer terms, so comparing options helps.

Fleet cover can include cars, vans, HGVs, taxis, courier vehicles, electric vehicles and mixed fleets combining different types. Eligibility depends on the vehicles, their use and the insurer. Specialist pages cover each vehicle type in detail, so you can match cover to the vehicles your business actually runs, subject to insurer criteria.

Yes. A mixed fleet policy can cover cars and vans together under one policy and renewal, which suits businesses running both. The insurer assesses each vehicle type and its use as part of the overall fleet risk. Combining them keeps admin in one place, subject to the insurer's terms and criteria.

Yes. HGVs can form a dedicated HGV fleet or sit within a mixed fleet alongside cars and vans. Insurers consider vehicle weight, use, operator licensing and driver experience when assessing cover. Larger goods vehicles carry their own underwriting considerations, so cover and pricing reflect how the HGVs are operated, subject to insurer terms.

Any-driver fleet insurance lets eligible drivers use fleet vehicles without each being individually named, which suits businesses needing flexibility. Age and occupation restrictions may apply, and access depends on insurer criteria. Named or specified-driver arrangements remain available where a stable driver group is easier to define, so the right option depends on how you operate.

Young or newly qualified drivers can often be included, though insurers may apply age limits, higher excesses or additional criteria. Driver age and experience influence how the fleet is underwritten. Any-driver arrangements may still carry age restrictions, so it helps to declare your drivers accurately when comparing quotes, subject to insurer terms.

Cost depends on the number of vehicles, their types and values, business use, driver ages and experience, claims history, location, mileage, cover level and excess. Larger fleets may be rated on their own claims experience. There is no fixed rate, so comparing quotes based on accurate details gives the clearest picture for your fleet.

You will usually need business details, vehicle registrations, types, values and use, driver ages, licences and any convictions, plus your insurance and claims history including renewal date and existing insurer. Accurate information helps insurers assess the fleet correctly. Having these details ready makes comparing fleet insurance quotes quicker and more straightforward.

Yes. Fleet insurance is built around business use, covering vehicles used for company work such as deliveries, site visits, transport and client journeys. The exact business use classes depend on your activity and the insurer. Declaring how each vehicle is used accurately matters, as using a vehicle outside the stated terms can affect a claim.

Yes. Electric vehicles can be covered within a fleet, either as a dedicated EV fleet or alongside petrol and diesel vehicles. Insurers consider vehicle values, charging arrangements and repair considerations specific to EVs. As more businesses electrify, EV fleet cover has become more widely available, subject to the insurer's criteria and terms.

Fleet claims experience, sometimes called CCE, rates larger fleets on their own claims record rather than individual No Claims Discount. Insurers look at the fleet's history of claims to judge risk and pricing. It differs from traditional NCD, and new businesses without established fleet history are assessed differently, subject to insurer terms.

Yes. New businesses without established fleet history can still arrange cover, though insurers assess them differently from fleets with a long claims record. They may consider directors' or drivers' individual experience and other risk factors. Providing full, accurate information helps insurers price a new-business fleet fairly, subject to their criteria and terms.