Business Fleet Insurance
Business Fleet Insurance Quotes
Insurance for the vehicles your business depends on, arranged on one policy with one renewal date.
- Cover from 2 vehicles upwards
- Mid-term vehicle and driver changes
- Trade-specific underwriting
Tailored quotes from specialist UK fleet insurance brokers
- Introductions to specialist UK brokers
- One short form, around 3 minutes
- Free to use, no obligation
- FCA regulated (FRN 940006)
What is business fleet insurance?
Business fleet insurance covers the vehicles a company owns or operates for work under one motor policy. It insures employees driving on business, supports leased and financed vehicles, and is rated on the business's trade and claims record rather than per vehicle.
- Covers staff and directors driving for the business
- Business use built in as standard
- Goods in transit and tools cover available
- Underwriting appetite varies sharply by trade
How it works
1. Tell us about your fleet
Answer a few questions about your business, your vehicles and your drivers. It takes around three minutes.
2. We introduce you to a broker
Your enquiry is passed to an FCA-authorised fleet insurance broker whose insurers cover your trade and vehicle mix.
3. The broker quotes you
The broker discusses your requirements, provides the quotation and gives any advice. There is no obligation to take cover.
Get your fleet quotes
Answer a few quick questions and we'll pass your enquiry to fleet brokers who quote on your trade and vehicle mix.
- Takes about three minutes
- Free and no obligation
Business fleet insurance covers the vehicles a company owns, leases or operates under a single motor policy. It is aimed squarely at commercial use — carrying staff, tools, stock or customers — rather than social and domestic driving.
Because the fleet is underwritten as one risk, your trade and your claims record drive the price far more than the make and model of any individual vehicle.
What business fleet cover includes
A business fleet policy protects the vehicles and the liabilities that come with putting employees on the road. Most businesses buy comprehensive cover where vehicles are financed or leased.
- Third-party injury and property damage for every insured vehicle
- Accidental damage, fire and theft on comprehensive cover
- Business use for employees and directors
- Optional goods in transit and tools cover for working vehicles
- Optional replacement vehicle cover so jobs keep running after a claim
Trades insurers underwrite differently
Fleet appetite varies sharply by trade. Some insurers welcome construction and courier fleets, others decline them outright, which is why quotes for the same fleet can differ by thousands.
- Construction, groundworks and scaffolding
- Couriers, same-day delivery and distribution
- Plumbing, electrical and facilities maintenance
- Care, transport and passenger-carrying operations
- Retail, wholesale and mobile sales fleets
What underwriters ask business fleets about
Fleet underwriters look at how a business manages its vehicles and drivers.
- Confirmed claims experience covering three to five years
- Minimum driver age and licence standards, and how they are recorded
- Telematics or camera systems and the data they produce
- Overnight parking and security arrangements
- How far ahead of renewal the enquiry is made
Why quote through Fleet-Quote.co.uk
One policy, one renewal
A fleet policy puts every vehicle on a single schedule with one renewal date instead of separate policies falling due through the year.
Every vehicle type
Cars, vans, pick-ups, lorries, taxis and minibuses can all sit on the same schedule with one renewal date.
Three minutes of your time
You answer once. We pass your enquiry on rather than making you repeat the same questions to several brokers.
FCA-regulated introductions
We are an introducer, not a broker or insurer. Enquiries are only ever passed to firms authorised and regulated by the Financial Conduct Authority.
Frequently asked questions
- What is business fleet insurance?
- Business fleet insurance is a single motor policy covering the vehicles a business owns or operates, rated on the business's overall claims record, trade and drivers rather than on each vehicle separately.
- Does business fleet insurance cover employees?
- Yes. Cover is normally arranged on an any-driver basis with age and licence conditions, or on a named-driver basis listing each employee who drives.
- Are leased and contract-hire vehicles covered?
- Yes, provided the finance or leasing company is noted as an interested party. Comprehensive cover is usually a condition of the finance agreement.
- Can I include a director's private car?
- Often yes. Many insurers allow directors' personal vehicles on a business fleet policy where the vehicle is available for company use.
- How quickly can business fleet cover start?
- Same-day cover is frequently possible once the underwriter has your vehicle list, driver details and claims history.
Ready to compare fleet insurance?
One short form, then an FCA-authorised fleet insurance broker takes it from there. No obligation.
- Takes about three minutes
- Free and no obligation