Commercial Fleet Insurance
Commercial Fleet Insurance For Working Vehicles
Cover for vans, trucks, tippers and specialist commercial vehicles under one fleet policy.
- Light commercials through to HGVs
- Goods in transit and tools cover available
- Hire and reward and own goods use
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 commercial fleet insurance?
Commercial fleet insurance covers vehicles used to carry goods, equipment or paying passengers — vans, tippers, HGVs and specialist vehicles. Cover is arranged either for own goods or for hire and reward, and the distinction has a large effect on price.
- Light commercials through to articulated HGVs
- Own goods and hire and reward bases
- Goods in transit and haulage liability can be added
- O-licence details needed above 3.5 tonnes
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
Commercial fleet insurance covers vehicles used to carry goods, equipment or paying passengers. It is the heavier end of the fleet market, where use, load and operating radius matter as much as the vehicles themselves.
Underwriters need to know what you carry, for whom and how far, because a fleet delivering its own stock locally is a very different risk to one carrying third-party goods nationwide.
Vehicles a commercial fleet policy covers
A commercial schedule can carry almost anything with a plate, provided the underwriter has the details.
- Panel vans, Luton vans and pick-ups
- Tippers, grab lorries and flatbeds
- Rigid and articulated HGVs
- Refrigerated and temperature-controlled units
- Trailers, plant and special types
Own goods or hire and reward
This single distinction changes the price more than almost anything else. Own goods means you carry your own stock, tools or equipment. Hire and reward means you carry other people's goods for payment, which brings haulage liability into play.
Declaring the wrong basis is one of the most common causes of a declined commercial fleet claim, so it is worth getting right at quote stage.
Cover extensions worth considering
Commercial fleets usually need more than the motor policy alone.
- Goods in transit cover for loads carried
- Haulage or carriers' liability where you carry for others
- Tools and plant cover for equipment kept in vehicles
- European use extension for continental work
- Breakdown and recovery suitable for laden commercial vehicles
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 counts as a commercial fleet?
- A commercial fleet is two or more vehicles used for business purposes to carry goods, equipment or paying passengers. Light commercial vehicles, HGVs and specialist vehicles all qualify.
- Do I need an operator's licence?
- You normally need an O-licence to operate goods vehicles over 3.5 tonnes in connection with a business. Insurers will ask for the licence details when quoting.
- Is goods in transit included in commercial fleet insurance?
- Not automatically. The motor policy covers the vehicle and third parties; the load needs separate goods in transit cover, which many brokers arrange alongside the fleet.
- Can I insure mixed weights on one policy?
- Yes. Light commercials and HGVs regularly sit on the same commercial fleet schedule as long as every vehicle and its use is declared.
- Does driver experience matter on commercial fleets?
- Considerably. Underwriters look at age, licence categories held, years of commercial driving experience and any endorsements.
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