Fleet Insurance Quotes

Yes. Many insurers will offer fleet insurance from two vehicles, although each insurer sets its own minimum fleet size and some only accept larger fleets. Businesses with a handful of vehicles can compare specialist brokers to find cover such as mini fleet insurance.

Fleet insurance is not automatically cheaper than separate policies. The price depends on the vehicles, drivers, business use, claims record and cover level. Many businesses find one fleet insurance policy easier to run, and comparing fleet quotes against individual renewals shows which option costs less. See fleet vs separate policy costs.

Fleet insurance itself is optional, but every vehicle used on UK roads needs at least third party insurance. Police can issue a £300 fixed penalty and 6 points for driving without valid insurance (Source: GOV.UK). A fleet insurance policy is one way to insure several business vehicles together.

Most fleet insurance policies let you add or remove vehicles during the policy year by telling your insurer or broker, who updates the policy schedule. Adding a vehicle can mean an extra premium, and removing one may lead to a partial refund, depending on the terms. Read adding or removing fleet vehicles.

Commercial vehicle insurance usually covers one business vehicle, such as a single van or lorry, on its own policy. Fleet insurance covers two or more business vehicles together under one policy and one renewal date. Businesses running several commercial vehicles often compare fleet insurance quotes to reduce admin. More in fleet vs commercial vehicle insurance.

Yes. Cars and vans can usually sit on the same mixed fleet insurance policy with one renewal date, subject to the insurer’s acceptance criteria. Many fleet insurance providers can also add HGVs, minibuses or taxis to that policy, which suits businesses whose vehicle mix changes as they grow.

Yes. Electric, hybrid, petrol and diesel vehicles can usually be insured on one fleet insurance policy, subject to the insurer’s criteria. Insurers will ask for details such as vehicle values and how each vehicle is used. Businesses running mainly electric vehicles can also compare electric vehicle fleet insurance.

Yes. HGVs can be insured on a dedicated HGV fleet insurance policy or within a mixed fleet. Businesses carrying goods in vehicles over 3,500kg gross plated weight usually need a goods vehicle operator licence as well as fleet insurance (Source: GOV.UK).

Only if the fleet insurance policy allows it. Any driver fleet insurance can cover anyone the business permits, but insurers often set rules on age, years since passing the test and convictions. Named and specified driver fleet insurance is more restricted, so check the policy schedule before anyone drives.

Often, yes. Fleet insurance can cover drivers with penalty points or motoring convictions, although insurers may charge more, apply a higher excess or exclude certain offences. Every conviction should be declared, because undisclosed convictions can affect claims. Specialist fleet brokers can approach insurers that accept drivers with a conviction history.

Young drivers can often be added to fleet insurance, although insurers may set a minimum age, apply a higher excess or charge a higher premium for them. Declaring every driver’s age, licence history and experience accurately when you compare fleet insurance quotes helps keep the policy valid.

Fleet insurance can cover employees to drive business vehicles when they are permitted drivers. Fleet insurance does not replace employers’ liability insurance, which most employers must hold by law to pay compensation if staff are injured or become ill because of their work (Source: GOV.UK).

Fleet insurance does not automatically include hire and reward, which means carrying passengers or goods for payment. Taxi, private hire and courier businesses need this use declared and included, so their fleet insurance is arranged for that work. Single operators can compare hire and reward insurance instead.

Fleet insurance may or may not include personal use. Some fleet insurance policies extend to social, domestic and pleasure driving for permitted drivers, such as staff with company cars, while others restrict cover to business use only. Tell the broker how vehicles are used outside work so quotes reflect it.

Breakdown cover is not always included in fleet insurance as standard. Many insurers and brokers offer breakdown and recovery as an optional extra for vehicles on the fleet insurance policy. Check the policy schedule, or ask for breakdown cover when you compare quotes. See fleet breakdown cover explained.

Fleet insurance prices reflect how many vehicles you run, their type and value, how and where they are used, annual mileage, driver ages and experience, claims history, cover level and excess. Two fleets of the same size can pay very different amounts, so quotes based on your own fleet give the most accurate price.

The MyMoneyComparison.com fleet insurance form has four short steps covering your business, fleet, vehicles and contact details. After that, brokers review the details before quoting, because fleet insurance is priced on each fleet rather than generated instantly. Find out why fleet quotes come from brokers.

For a fleet insurance quote you usually need business details, vehicle registrations, values and uses, driver ages, licence details and any convictions, plus your current insurer, renewal date and claims history. Having these ready makes the quote form quicker and helps brokers price fleet insurance accurately.

For many businesses, fleet insurance is an allowable business expense. GOV.UK lists vehicle insurance among the costs self-employed people can claim, but not for personal journeys (Source: GOV.UK). Limited companies usually treat fleet insurance premiums as a business cost too, but confirm the tax treatment with an accountant.

Claims cost experience, or CCE, is the record of claims made across a fleet, usually the number and cost of claims over recent years. Fleet insurance providers often use CCE to price larger fleets instead of relying on individual no claims discounts. Our CCE guide explains how it works.

Fleet insurance providers treat no claims discounts differently. Some take existing no claims discounts into account when setting up a small fleet, while larger fleets are usually rated on claims cost experience. Ask the broker how current discounts will be treated before switching, and see fleet no claims discount explained.

Yes. A new business can often get fleet insurance without an established claims history. Fleet insurance providers assess new businesses differently, looking at the directors’ and drivers’ experience, the vehicles, how they will be used and how securely they are kept overnight.

A grey fleet is made up of vehicles employees own but use for work journeys. HSE says employers must manage work-related driving risks even when staff use their own vehicles (Source: HSE). Drivers usually need business use on their own policy, and some employers compare grey fleet insurance.