Fleet Insurance UK
Fleet Insurance UK — Cover For Every Vehicle You Run
UK-wide fleet insurance for businesses in England, Scotland, Wales and Northern Ireland. Quotes from specialist UK brokers.
- FCA-regulated UK brokers and schemes
- Cover for UK and EU journeys
- Fleets of 2 to 200+ vehicles
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)
How does fleet insurance work in the UK?
In the UK, fleet insurance is manually underwritten by a small number of specialist insurers. Each has its own appetite for particular trades and vehicle types, so prices for the same fleet vary widely. Cover is available UK-wide, with Northern Ireland rated on a separate panel.
- Comprehensive, third party fire and theft or third party only
- Postcode, trade and driver profile all affect the price
- Foreign use extensions available for EU journeys
- All quotes come from FCA-regulated UK brokers
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
Fleet insurance in the UK is a specialist market. A handful of insurers write the bulk of fleet business, and each one has its own appetite — some love builders and couriers, others will not touch them. That is why two brokers can return wildly different prices for the same fleet.
We put your details in front of brokers whose underwriters cover the whole spread of UK fleet appetite, so your risk lands with the insurers most likely to want it.
Fleet cover across the whole UK
Location matters to a fleet underwriter. Premiums in central London, Birmingham and parts of the North West run considerably higher than rural postcodes, because theft and third-party claims frequencies differ. Northern Ireland is rated separately again, with its own panel of insurers.
Wherever your vehicles are based, the quoting process is the same: your postcode, your drivers, your vehicles and your claims record.
Levels of UK fleet cover
Fleet policies come in the same three broad levels as private motor insurance, but the gap between them matters much more when you own twenty vehicles rather than one.
- Comprehensive — damage to your own vehicles plus third-party injury and property damage. Usually the only sensible choice where vehicles are financed or leased.
- Third party, fire and theft — no cover for accidental damage to your own vehicles, but protects against the big-ticket third-party exposure.
- Third party only — the legal minimum. Occasionally used for older, low-value working vehicles that would be written off anyway.
Extras UK fleets commonly add
Fleet policies are modular. Bolt-ons are usually far cheaper bought as part of the fleet than arranged separately per vehicle.
- Goods in transit and haulage liability
- UK and European breakdown recovery for the whole fleet
- Legal expenses and uninsured loss recovery
- Replacement vehicle cover to keep jobs running after a claim
- Foreign use extension for EU deliveries
- Tools and plant cover where vehicles carry equipment overnight
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
- Are fleet insurers regulated in the UK?
- Yes. Every insurer and broker arranging fleet cover in the UK must be authorised and regulated by the Financial Conduct Authority. You can check any firm on the FCA register at www.fca.org.uk.
- Can a UK fleet policy cover trips to Europe?
- Most UK fleet policies include the legal minimum cover for EU driving, but full comprehensive cover abroad usually needs a foreign use extension. Tell the underwriter roughly how many days a year your vehicles are out of the UK.
- Is fleet insurance available in Northern Ireland?
- Yes, though the panel of insurers writing Northern Ireland fleet business is smaller than in Great Britain. Quoting through a specialist matters even more there.
- Can I insure vehicles registered to different companies?
- Sometimes. Where companies are under common ownership, insurers will often write them under a single fleet with a group policyholder. Unrelated businesses need separate policies.
- Do UK fleet policies use no claims bonus?
- Not usually. Fleets are rated on confirmed claims experience for the whole fleet rather than an individual driver's no claims discount, although smaller mini fleets are sometimes rated on NCD per vehicle.
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