Motor Fleet Insurance
Cost-effective insurance for company fleets of all sizes — from small van fleets to large mixed operations — with dedicated support and volume savings.
Key Covers
Fleet insurance consolidates all your vehicles under a single policy with one renewal date, making administration simpler and premiums more competitive.
Comprehensive
Full protection for your vehicles including accidental damage, fire, theft, windscreen cover, and third-party liability — the highest level of fleet cover.
Third Party, Fire & Theft
A mid-level option covering damage to third parties plus fire and theft of your own vehicles — suitable for older fleet vehicles with lower values.
Third Party Only
The legal minimum cover for road vehicles, protecting against claims from third parties. Often used for low-value or specialist vehicles within a mixed fleet.
Cars, Vans & HGVs
Cover for all vehicle types including company cars, light commercial vans, heavy goods vehicles, and specialist or mixed fleets under one policy.
Named or Any Driver
Choose named-driver cover for lower premiums or any-driver cover for maximum flexibility, allowing any authorised employee to drive any fleet vehicle.
Goods in Transit
Covers stock, tools, and materials being carried in your fleet vehicles against damage, theft, and loss during transit between locations.
Fleet Management Benefits
Beyond insurance, we provide tools and support to help you manage your fleet more effectively and reduce costs.
Single Renewal Date
All vehicles renew on the same date, eliminating the administrative burden of managing multiple individual policies throughout the year.
Claims Handling
Dedicated claims support to process incidents quickly, manage repairs through approved networks, and minimise fleet downtime and costs.
Telematics & Risk Management
Access to driver risk profiling, telematics data, and training programmes to reduce incidents, improve driving standards, and lower premiums.
Frequently asked questions
What is the minimum fleet size for a fleet policy?
Most fleet insurers require a minimum of three vehicles, though some specialist schemes start from two. If you have fewer vehicles, a commercial motor policy with multiple vehicles listed may be more appropriate until your fleet grows to qualify for a full fleet rating.
How do I add or remove vehicles during the policy year?
Fleet policies are flexible. You can add new vehicles or remove disposed ones at any time during the policy period. Premiums are typically adjusted on a pro-rata basis, and many policies include automatic cover for newly acquired vehicles for a limited period — usually 30 days.
Can telematics reduce my fleet insurance premiums?
Yes. Telematics (black box) technology allows insurers to assess actual driving behaviour rather than relying solely on statistical risk factors. Fleets that demonstrate safe driving habits, controlled speeds, and efficient routes can benefit from significant premium reductions and improved claims experience.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.