Car Fleet Insurance
Car Fleet Insurance For Businesses And Families
Insure your company cars, pool cars and grey fleet on one policy — or bring the family's cars together under a multi-car fleet.
- Company car and pool car fleets
- Family fleet and multi-car options
- Any-driver and named-driver cover
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 car fleet insurance?
Car fleet insurance covers two or more cars on one motor policy, whether they belong to a company car scheme or a household running several vehicles. The cars are rated together on one claims record instead of each holding its own no claims bonus.
- Company car schemes and family multi-car fleets both qualify
- Any-driver, named-driver and age-restricted options
- One renewal date for every car on the policy
- Cars can be swapped or added during the policy year
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
Car fleet insurance covers a group of cars under a single policy. It suits businesses running company cars, sales fleets and pool cars, and equally suits households with several cars and drivers sharing them.
The advantage is administrative as much as financial. One renewal date, one certificate schedule and the freedom to swap a car without re-broking the whole arrangement.
Business car fleets
Company car fleets are usually rated on driver profile and claims record rather than the cars themselves. Underwriters want to know who drives, how old they are, whether cars are allocated or shared, and whether personal use is allowed.
Pool cars — vehicles kept at a site and used by whoever needs them — are almost always written on an any-driver basis with a minimum age restriction.
- Allocated company cars with named users
- Pool cars driven by any employee over a set age
- Sales fleets with high annual mileage
- Executive and prestige vehicles requiring agreed values
Family fleet and multi-car
If two or more cars are kept at one address and the drivers are all related or living together, a family fleet is often cheaper than separate policies — particularly where a young driver is on the risk who would otherwise be quoted a punishing standalone premium.
Each car keeps its own cover level, but there is one policy, one renewal and usually one discount applied across all vehicles.
What car fleet underwriters look for
Because cars carry a higher theft and personal-injury exposure than a plain panel van, driver quality drives the price.
- Ages and licence lengths of everyone who will drive
- Points, disqualifications and non-motoring convictions
- Whether cars are garaged, on a driveway or on the street overnight
- Business use, social use or both
- Annual mileage per car
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
- How many cars do I need for a car fleet policy?
- Two cars is enough for most multi-car and mini fleet schemes. Traditional commercial car fleet rating tends to start at three to five vehicles.
- Can a young driver be included on a car fleet?
- Yes, but they change the price significantly. Many fleets are written with a minimum driver age of 25 for exactly that reason. If you need to include a 17 to 24 year old, say so up front so you are quoted accurately.
- Do all the cars need to be owned by the same person?
- For business fleets the vehicles normally need to be owned or leased by the policyholder company. For family fleets, insurers generally accept vehicles registered to different family members at the same address.
- Can I include a car that is on finance or lease?
- Yes. Financed and leased vehicles are covered as normal, but the finance company will almost always require comprehensive cover and may want to be noted on the policy.
- Is business use included?
- It depends on how the policy is set up. Class 1 business use is commonly included on company car fleets. If cars are used for commercial travelling or carrying goods, tell the underwriter.
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