fbpx
Select Page

Any Driver Fleet Insurance

tick
Policies For Motor Fleet of 2 – 500+ Vehicles
monthly insurance
Flexible Monthly Payment Options
fleet car
Cover All Fleet Vehicle Types: Cars, Vans, HGV’s, Motorbikes, Buses, Coaches, Taxi, Courier , Haulage
person fleet age policy
Covers Any Driver Fleet Policy Over 21, 25, or 30 Years of Age

Compare Cheap Any Driver Fleet Insurance

Any Driver Fleet Insurance quotes from an exclusive Fleet Broker Panel

Our brokers can provide quotes from 2 vehicles up to 500+ fleet vehicles

Fill in our online form for a callback and quote.

What is Any Driver Fleet Insurance?

Any driver fleet insurance is a policy that makes it possible for any person who works for you to drive any of your vehicles that are covered by the policy. If you have a fleet of vehicles, it means that any employee, who has your permission and a valid driver’s license, is able to drive any vehicle in the fleet. It’s unnecessary to call the insurance company and make changes, such as adding a driver. New employees, for instance, can start driving right away.

This type of coverage is sometimes used by organizations that have large fleets of vehicles or courier fleets. This is a type of commercial fleet insurance policy that makes it possible for a company to operate without updating their insurance policy each time they need to add a driver to drive a specific vehicle.

Different Types of Any Driver Vehicles Covered

courier fleet insurance quotes
van fleet insurance quote
farm fleet insurance quote
HGV fleet insurance quote
car fleet insurance quote
coach & bus fleet insurance quote
taxi fleet insurance quote
motorbike fleet insurance quotes
plant fleet insurance quote

Who Can Get Any Driver Insurance?

 

Any company that owns a fleet of vehicles may buy any driver policy. However, the policy may specify the age of drivers covered. This will vary by the insurance provider.

Some may stipulate the driver has to be over 25, while others include all ages. So, it’s always a good idea to check with your insurer about the age limits of their driver policy.

A motor fleet any driver insurance policy can protect any fleet of:

  • Company cars
  • Vans
  • Motorbikes
  • Taxis
  • HGV’s
  • LGV’s
  • Taxi Fleet
  • Courier Fleet
  • Haulage Fleet

Some policies may also allow you to mix several different types of vehicles under one policy. Plus, fleet insurance allows you to have anyone who has a valid UK license, within your company, and who meets the specific insurance policy requirements, to drive. There is no need to call the insurer each time to make certain the driver can be added to the coverage.

Fleet insurance can also save money when bulk buying insurance from a provider. Insurers offer discounts, which are usually much cheaper than insuring individual vehicles from different providers.

 

What Affects the Price of Any Driver Insurance?

 

Your policy may be more expensive if you have drivers under 25. However, this is the case with most types of driver’s insurance. The reason is that younger drivers are seen as a higher risk because they take more risks when driving.

If you do have a younger driver (under 25), it may be possible to cover them with a separate named policy rather than include them in any driver coverage. This is something to discuss with your insurance provider.

In addition, insurance will be more expensive when transporting goods or machinery for others. The reason is there’s a risk these items could be stolen or damaged in transport.

Vehicle size may also impact any driver insurance premiums. Large lorries or large vans will have a higher premium.

 

 

What is the Responsibility of the Business Hiring the Drivers?

 

The business must make sure all drivers are qualified and have the proper credentials to drive company vehicles. The driver must also fit the qualifications listed under any driver insurance policy.

Generally, most businesses require drivers to be over 25 and have a clean driving and criminal record.

 

Who Needs an Any Driver Policy?

 

This type of insurance covers businesses that have a regular turnover in drivers. If a company has a large fleet, there’s usually a high driver turnover rate.

With any drive policy, the changing drivers (either adding or removing them from the policy) don’t cost admin fees. The policy also makes it easier and faster for new drivers to start driving right away since the insurance company doesn’t need to approve each individual driver.

Any driver policy can also be beneficial for a large company that hires temporary drivers to meet increases in demand. In this case, the temporary drivers can start immediately because the insurance company doesn’t require notification for each driver added.

 

What are the Benefits of Any Driver Fleet Insurance?

 

Any driver fleet insurance offers several benefits, including:

Flexibility

This type of policy provides flexibility. If you have a new driver and need to get a vehicle on the road quickly, then any driver policy makes it possible to allow them to start driving right away.

Of course, it’s necessary that you first check they have the proper driver’s license and ensure they are properly vetted. However, as long as they work for your company, they can start driving right away.

Any driver policy also comes in handy when many drivers are out ill. It’s possible to hire vetted temporary drivers to fill in. Again, there’s no need to inform the insurer, and business operations can go on as normal.

No Admin Fees for Driver Changes

This type of policy doesn’t require you to add and remove drivers on the policy. As a result, admin fees are reduced. Compare this to a regular named driver fleet policy, where it’s necessary to add a driver; there’s also a fee that must be paid for this change.

With any driver policy, you only pay for admin fees or policy change fees when it’s necessary to add a vehicle or make other large changes.

Peace of Mind

With any driver policy, you don’t have to worry about one of your employed drivers jumping into a vehicle and driving it. In that case, the driver would be driving the vehicle illegally, even if they work for you. On a regular fleet policy, this would be a huge problem.

However, with any driver policy, you don’t have to worry. Any employed driver can go out on the road as long as they have a license, and they’ll be legal and protected.

Other Considerations about Any Driver Insurance Coverage

While any driver insurance policies have their benefits, it’s important to understand these policies are typically more expensive. That means they come with a higher premium. While it’s true this policy will cost more, it’s also true you’ll pay fewer admin fees if drivers are frequently changing vehicles.

Consider Using an Insurance Broker to Search for Any Driver Fleet Insurance

Because any driver policy can be involved, you may want to consider using an insurance broker to help you find the best insurance policy for your company.

Be sure to choose an insurance broker who deals with any driver fleet insurance. This will make the entire process easier, and they’ll have the knowledge and expertise to help you find the right policy for your circumstances.

Comparison Shop for Any Driver Fleet Insurance

As with other types of insurance, it’s always best to search for the best policies and quotes online. If possible, create a list of at least five different insurance companies that offer any driver insurance policies. It’s also helpful to make notes on what each policy specifically covers and what’s not covered. If you have questions, then be sure to get in touch with the insurance agents. They can explain their policies in-depth and answer any questions you may have.

Once you’ve done the research, it’s time to compare the quotes and policies. Choose the one that’s the best fit for your company and your budget.

 

Typically, these fall into three categories:

 

1.    Third party only

If you opt for third party fleet insurance only you’ll be covered for third party damage to another driver and/or his or her vehicle. This is the cheapest form of fleet insurance and the minimum amount of legal cover required for fleet businesses to operate. While less expensive than other types of fleet insurance, this policy does not pay out for damage to your own vehicles and drivers. Therefore, in the event of an accident, you would be liable for any repairs to your own vehicles.

2.    Third-party, fire and theft.

Third-party, fire and theft, fleet insurance, offers you a higher level of protection than just third party alone. While there’s no legal requirement for this policy, the addition of fire and theft means you’ll be able to make a claim if a vehicle in your fleet is stolen, or sustains damage as a result of a fire. This policy type also covers you for any injury or damage to third parties in the event of an accident.

3.    Fully comprehensive

Fully comprehensive fleet insurance is the most advanced form of cover on the market and consequently the most expensive of the three policy types. If you elect for fully comprehensive fleet insurance you’re protecting yourself against all of the above (theft, fire and third party) but also covered for damage to your own vehicles and drivers.

Policies can also include the following; however, each policy and the coverage will vary by providers:

  • Loss or damage to vehicles
  • Vehicle recovery due to accident or breakdown
  • Legal fees
  • Damage to windows/windscreens
  • Replacement locks if keys are stolen
  • Medical expenses for drivers and their passengers injured in an accident with an uninsured vehicle
  • Some policies also cover driving abroad, though there may be a cap on the number of days that are allowed each year
  • Protection for personal belongings that are lost or damaged in an insured vehicle
  • Trailers attached to a vehicle
  • Use of a courtesy car while the truck is being repaired
  • Breakdown cover

You will find these specifics are available from most providers and are included in the policy, or by purchase as an optional extra (these do carry additional fees).

 

How to Cut Costs on Motor Fleet Insurance

 

The key to reducing the cost of fleet insurance premiums is to keep risk to a minimum. This means the insurer needs to see that all drivers are responsible, have a UK license, and the right credentials to drive the fleet vehicles. Drivers should be over the age of 25 because insurers see them as more careful than younger people. They should also have clean driving records.

If you do have a younger driver (under 25), then it is possible to limit their mileage, allow them to drive only during the day, or accompanied. These are ways to lower insurance rates for young drivers.

Fleet Insurance can support any drivers aged over 21, 25, 30 and this could be an effective way to allow different drivers to drive different vehicles.

  • Any driver over 21 Years of age
  • Any driver over 25 years of age
  • Any driver over 30 years of age

Sending drivers to training courses will also help insurance providers to view your drivers as more responsible and having the knowledge to drive safely, even in bad weather.

Insurers also like to see that vehicles are properly maintained. This means drivers should conduct daily checks of their vehicles, which includes checking tire pressure, oil levels, and brake pads. All this information should be kept in a service record logbook.

It is also possible to make drivers responsible for paying their own excess. This is a way to ensure they are safe drivers.

Improving the security of vehicles is another way to save money. This may include keeping all fleet vehicles in a safe parking lot that is managed with CCTV, dashboard cameras, locked garages, immobilizers in the vehicle, and more. These may seem like expensive things to add to the fleet, but the cost is worth it to help insurers see that you have lowered the risk to vehicles. This means you pose a lower risk, and your premiums will be lower.

Fleet insurance saves you money by ensuring all company vehicles under one policy. Plus, you do not have to worry about individual renewal dates for each vehicle.

What Can Be Included In My Any Driver Fleet Insurance Policy Cover:

R

Flexible Monthly Payments

R

24hr Claims Helpline

R

Legal Assistance

R

Windscreen Cover

R

Accident Support

R

Full EU Cover

R

No Claims Discount / Protected NCB

R

Replacement Vehicles

R

Enhanced Claims Service

R

Introductory Prices

R

Comprehensive Cover

R

Instant Documentation

Cheap Fleet Insurance

Do you have a business that sends employees out in company-owned vehicles to deliver packages and products? Then you may want to consider something called fleet insurance to protect your employees, your company vehicles, and your business.

 

How Many Vehicles Does a Fleet Insurance Policy Cover?

Each insurance provider will have its own specifics when it comes to the number of vehicles that can be covered under this type of policy. However, generally speaking, many providers allow as many as 500 vehicles to be covered by their fleet insurance. And there are policies available for companies that have even more vehicles.

 

What Does Fleet Insurance Cover?

There are basically three types of fleet insurance including:

Third-Party Only: this is the minimum amount of insurance your company is legally required for operating on UK roads. This type of fleet insurance only protects against injuries to third parties, damage to their vehicles or property. It doesn’t protect the driver or pay for damage to the vehicle. This is the cheapest type of fleet insurance you can have; however, it’s important to understand that you will have to pay any medical bills for the driver and for repairs to the company vehicle.

Third-Party, Fire & Theft: this type of fleet insurance covers everything in the third party insurance, but also includes coverage for theft and fire to the company vehicle.

Fully Comprehensive Cover: is the highest level of fleet insurance coverage, and includes everything listed above, along with everything else including medical bills for the driver and repairs to company vehicles.

 

What are the Benefits of Fleet Insurance Coverage?

Here are some of the benefits your company can enjoy by purchasing fleet insurance: 

  • Motor Fleet Cover – Compare Quote & Save Money
  • Any Size Fleet From 2 to 1000+ Vehicles
  • All Types of Vehicle
  • Taxi Fleet, Courier Fleet, Haulage Fleet, Business Fleet, Van Fleet & Many More
  • Flexible Monthly Payment Options
  • Any Driver Insurance Aged Over, 21, 23, 25 & 30
  • Toxic, Explosive, or Inflammable Goods
  • Worldwide, UK & European Insurance Cover
  • Breakdown Assistance Optional
  • One policy covers all company vehicles
  • Renew one policy, rather than multiple policies (one for each company vehicle)
  • Instant coverage for your entire fleet
  • Fast response time if you need to file a claim
  • Insure your entire fleet up to 1000 or more (depending on the provider’s policy)

As you can see, there are a number of benefits to choosing fleet insurance if you have 2+ vehicles.

Any Driver Over 25 Fleet Insurance quote

How Much Does Fleet Insurance Cost?

The price will vary by insurer, but you can generally count that the premium total will depend on the level of coverage you take out. The price will also be determined by the type of vehicles and drivers in your fleet.

The cost of your premium will also depend on the level of risk the insurance provider determines you present their company. Even where you park the vehicles overnight can determine how much the premium will be. For example, if the fleet is left unprotected at night, you will present an increased risk of theft, which means your premium will be higher. On the other hand, if company vehicles are parked in a secure location, your premium could be cheaper.

Other factors that may be used to determine your premium include:

  • Electric/hybrid vehicles (can lower premiums): they don’t pose as much risk since engines are usually not as powerful, plus they have lower CO2 emissions, which can also lower premiums
  • Age of drivers: those over 25, with a clean driving record, will be seen as lower risks, which can lower the premium. However, younger drivers can increase the premium. However, some providers will allow for training courses or require younger drivers to be accompanied, both of which can lower premiums.
  • Training courses for drivers: can also lower the risk and reduce premiums.
  • Regular vehicle maintenance: including daily checks on tyre pressure, oil, brakes, and keeping a service log can reduce premiums.
  • Make drivers responsible for their own excess: can also help to lower premiums
  • Security: improving the security of the fleet and individual vehicles can reduce the premium.
  • Telematics: something like a “black box” can be installed on each vehicle, which allows for monitoring driver speed, behavior, etc. This can also help reduce the premium.

The price of your fleet insurance is based on many variables, and each insurer has its own risk calculations that are used to evaluate these variables. The main thing is to figure out how to lower your risk, which will work (in most cases) to lower the cost of your premium.

Another way to keep premiums down is to do your homework. This means you’ll need to do some comparison shopping. This is not difficult—you just need to use one or more insurance comparison sites to receive fleet insurance quotes from a number of insurance providers.

Once you’ve done the comparison, note down the insurers that look like they might offer a fleet insurance plan that meets your needs. Make a list of these providers, and then contact each one personally. It’s always best to talk directly with an experienced insurance agent or broker before making such a big decision.

And remember to read through each fleet insurance policy before making your final choice on providers. This way you’ll know exactly how the policy works and will have a chance to ask questions about points that may need additional clarification. This way, you’ll be sure to buy only the type of policy that’s a good fit for your company.

 

Any Driver Fleet Insurance Frequently Asked Questions

What is Motor Fleet Insurance?

Motor Fleet Insurance protects businesses from compensation claims from third parties as a result of a motor accident. These third-party claims could be in the form of financial compensation for injury or property damage for a third party.

Motor fleet insurance consists of more than 2 or more vehicles, either family or business fleet.

Fleet insurance is a type of business vehicle insurance coverage that’s used to protect multiple company vehicles (a fleet). The fleet can be made up of cars, vans, trucks, or a combination of these vehicles. The point is that these vehicles are used for business, which may include the transport and delivery of goods.

You may already know that in the UK, it’s a legal requirement for all vehicles driving on public roads to have insurance. This includes commercial vehicles, too. Fleet insurance meets this legal requirement.

In fact, this type of policy may even make it cheaper to get insurance on all your vehicles. They’ll be covered under one plan, and you’ll also have only one renewal date to remember.

What do you need for fleet insurance?

To be able to apply for fleet insurance you need at least a fleet of three vehicles or over. However, this does vary depending on the provider. The maximum is usually up to 500 vehicles, but there are policies available to cover several thousand vehicles, suitable for large enterprises.

What is fleet insurance policy?

Fleet insurance is a businesses insurance aimed at companies with two or more vehicles. It makes it possible to insure multiple vehicles – from cars, minibuses, trucks, HGVs and taxis – on a single insurance policy.

Can anyone drive fleet insurance?

Most fleet policies are usually arranged on an Any Authorised Driver basis which means that anyone can drive with the permission of the company/directors., these could be younger drivers under 25, if included, will usually have an increased excess applicable when they are driving.

How many vehicles is considered a fleet?

The definition of a fleet is pretty simple – any company or person that has more than one car, van, HGV, minibus, Taxi or any other vehicles which are 2+ vehicle is classed as a fleet. Technically, the company need not even own the cars for them to be considered a fleet. Companies that use fleet vehicles often lease them for their employees rather than buy them

What does fleet insurance cover?

Fleet insurance is essentially a multi-vehicle insurance policy covering the different types of vehicles your business owns and uses for commercial purposes. It’s available to any registered business with two or more company-owned vehicles within its fleet.

This type of insurance is a great way of managing your business vehicle insurance obligations within a fleet because it condenses all your vehicles’ cover into just one policy. That way, when it’s time to renew, you only have to update one policy; regardless of how many vehicles your company has in service.

What types of vehicle does fleet insurance cover?

Fleet insurance extends to all classes of vehicle owned and operated by your company for its business operations. This includes any company-issued cars your employees use for work journeys, as well as taxis, motorcycles, minibuses, HGVs, trucks and even plant used on construction sites.

Providing all the vehicles you want to insure are registered under the same business ownership they’ll qualify to be included as part of a combined fleet insurance policy.

What are the different types of fleet insurance available?

Typically, these fall into three categories:

1.    Third party only

If you opt for third party fleet insurance only you’ll be covered for third party damage to another driver and/or his or her vehicle. This is the cheapest form of fleet insurance and the minimum amount of legal cover required for fleet businesses to operate. While less expensive than other types of fleet insurance, this policy does not pay out for damage to your own vehicles and drivers. Therefore, in the event of an accident, you would be liable for any repairs to your own vehicles.

2.    Third-party, fire and theft.

Third-party, fire and theft, fleet insurance, offer you a higher level of protection than just third party alone. While there’s no legal requirement for this policy, the addition of fire and theft means you’ll be able to make a claim if a vehicle in your fleet is stolen, or sustains damage as a result of a fire. This policy type also covers you for any injury or damage to third parties in the event of an accident.  

3.    Fully comprehensive

Fully comprehensive fleet insurance is the most advanced form of cover on the market and consequently the most expensive of the three policy types. If you elect for fully comprehensive fleet insurance you’re protecting yourself against all of the above (theft, fire and third party) but also covered for damage to your own vehicles and drivers.

What are the benefits of fleet insurance?

From the ability to lower insurance premiums for your vehicles, to reducing office admin, taking out fleet insurance offers businesses a range of attractive benefits, in addition to peace of mind:

•    Just one policy to cover all business vehicles

With fleet insurance, you can insure every vehicle in your company’s ownership on just one policy, regardless of vehicle type. This means that even mixed-use vehicles can be insured together, without the need to take out individual policies for every vehicle in your fleet.

•    One policy renewal date

Insuring every vehicle in your fleet on the same policy means you only have to deal with one policy renewal date. This is especially beneficial in businesses with a large number of vehicles on the road as it significantly reduces admin time, freeing up resource to focus on other areas of your business.  

•    The possibility of cheaper premiums

Choosing to take out fleet insurance can work out cheaper than individually insuring vehicles within your fleet. If one of your vehicles is involved in an accident, an insurer may choose to spread the cost of any claim made across all vehicles, subsequently lowering the premium you pay.

How much does fleet insurance cost?

How much your fleet insurance premium will total depends entirely on the level of cover you take out, and the types of vehicles and drivers you have in your fleet.  

When you’re applying for fleet insurance you’ll be asked for some details about your vehicles, all of which will affect the premium price you’ll be offered.

Does fleet insurance cover my drivers?

Again, this is dependant on the type of policy you take out. Fully comprehensive is the only fleet insurance that includes driver cover, so if you want your drivers to be insured, this is the policy type you should be looking at.

When seeking comprehensive cover, you’ll also be asked to provide some information about the drivers in your fleet. This is so an insurer can offer you a bespoke quote, based on your business’s unique circumstances. As before, it’s vital you answer honestly and volunteer all the required information when requested to do so.

Driver factors that generally affect fleet insurance premiums include:

  • Drivers age
  • Whether you want to name individual drivers or have an all-driver policy (where anyone that meets the driver criteria is covered)
  • Any previous driving convictions

Naming each driver typically brings the price of the policy down, while having young drivers in your fleet (aged under 25) can increase the costs. If you do elect to name each driver it’s vital you keep your insurer informed when you make new hires, as any driver not named on the policy won’t be covered.

Can I add taxis to a fleet insurance policy?

Of course, you can, fleet insurance will cover any vehicles where there 2+. Both private hire and public hire taxis can be covered by a taxi fleet insurance policy. Black cabs, minicabs and minibuses are all eligible for cover with fleet insurance, which is why many taxi firms choose to get this type of cover for their vehicles.

What factors affect the cost of a fleet insurance policy?

There are several key factors that affect how much you’ll pay for a fleet insurance policy. Some of the main ones include –
– The number of vehicles being insured
– The type of vehicles
– The value of the vehicles
– How secure your vehicles are
– The number of named drivers
– The driving history and claims experience
– Where the vehicles are stored
– How the vehicles are used

How do I get fleet insurance?

Fleet insurance is incredibly complex and comprehensive so it’s best to speak to a qualified insurance broker who can verify that the policy you take out meets all your needs and at the most competitive price.

Our specialist brokers have many years of experience organising business insurance policies for the UK fleet sector. 

Complete the online fleet form and our partner broker will call you back: Please complete me

Our advisors will take a few details from you and use the information provided to secure you the cover you need, for the best possible annual or monthly premium.

Helpful Links:

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.

FTA –  FTA is one of the biggest business groups in the UK, supporting, shaping and standing up for efficient logistics. We are the only organisation in the UK that represents all of logistics

Compare Cheap Fleet Insurance Quotes

From The Blog

Snowdonia Hydropower Project Seeking Investors

Snowdonia Hydropower Project Seeking Investors

Snowdonia Hydropower Project Seeking Investors A Welsh farming family is searching for investors for a Snowdonia hydropower project. Located within the Snowdonia National Park, the project is a high head run of river scheme, which has a potential installed capacity of...

Tesla Electric Semi Truck

Tesla Electric Semi Truck

Tesla Electric Semi Truck - Speed Machine That Saves Money The Tesla semi-truck has many people excited. The reason - this new semi can go faster than most cars and other semis in its category. When the driver hits the pedal, the semi is off. When the vehicle’s not...

Unilever Boss Says Workers Will Not Return to Desks Full-Time

Unilever Boss Says Workers Will Not Return to Desks Full-Time

Unilever Boss Says Workers Will Not Return to Desks Full-Time Unilever, one of the largest companies in the UK, has said their office workers will not return to working at their desks 5 days a week. The change has been brought about by the coronavirus pandemic, which...

Amazon Buys Planes to Expand Network

Amazon Buys Planes to Expand Network

Amazon Buys Planes to Expand Network Amazon.com Inc has bought 11 Boeing 767-300 airplanes, with an eye to increasing its delivery capabilities and expanding its network. The aircraft was bought from WestJet and Delta and are being converted from passenger planes to...

Subscribe To Our Newsletter

Industry insights and useful posts, guides and more!