Motor Fleet Insurance
Motor Fleet Insurance For UK Businesses
One motor policy covering every vehicle your business runs, from company cars to heavy goods vehicles.
- Cars, vans, HGVs and specialist vehicles on one schedule
- Any driver, named driver and age-restricted options
- Quotes from specialist UK fleet brokers
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 motor fleet insurance?
Motor fleet insurance is the trade name for a single motor policy covering a group of vehicles run by the same business. The fleet is underwritten as one risk, shares one renewal date, and vehicles can join or leave the schedule during the policy year.
- Available from 2 vehicles upwards
- Cars, vans and HGVs on one schedule
- Any-driver or named-driver basis
- Priced on claims experience, trade and drivers
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
Motor fleet insurance is the trade name for a single motor policy that covers a group of vehicles under one contract. It is the arrangement most UK businesses move to once they run more than a couple of vehicles, because it replaces a drawer full of certificates with one schedule and one renewal date.
Tell us about your business, your vehicles and your drivers and we will pass your details to specialist UK brokers who quote on motor fleet risks every day.
What a motor fleet policy covers
The cover itself works like any motor policy: third-party injury and damage as a legal minimum, with fire, theft and accidental damage added as you move up the cover levels. The difference is that the whole fleet is rated together and vehicles can move on and off the schedule during the year.
- Comprehensive, third party fire and theft, or third party only
- Windscreen and glass cover across the fleet
- Optional goods in transit, tools and plant cover
- Optional breakdown recovery and replacement vehicle cover
- Optional legal expenses and uninsured loss recovery
Who motor fleet insurance suits
Motor fleet is written for businesses rather than individuals, though family fleet and multi-car arrangements exist under the same rating principles.
- Contractors and trades running vans and pick-ups
- Companies with a car scheme for staff or directors
- Hauliers, couriers and distribution operators
- Care providers, minibus operators and taxi firms
- Mixed operations with cars, vans and heavier vehicles together
How motor fleet premiums are calculated
Underwriters price the operation as a whole. Confirmed claims experience over the last three to five years carries the most weight, followed by trade, driver profile, vehicle values and where the vehicles are kept.
This is why presentation matters: a clean claims letter, a documented driver policy and telematics data can move a motor fleet quote significantly.
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 motor fleet insurance?
- Motor fleet insurance is a single motor policy covering several vehicles owned or operated by the same business. The fleet is rated as one risk, shares one renewal date and vehicles can be added or removed during the policy year.
- How many vehicles do I need for a motor fleet policy?
- Most UK insurers write motor fleet from two vehicles, with far more schemes available from three and five vehicles upwards.
- Can any driver drive on a motor fleet policy?
- Yes, if you buy an any-driver basis. It usually carries a minimum age of 21 or 25 and a licence condition. Named-driver cover is cheaper but needs updating whenever staff change.
- Can I mix vehicle types on one motor fleet policy?
- Yes. Cars, vans, HGVs, minibuses and special types can sit on the same schedule provided the underwriter is told about each vehicle and how it is used.
- Is motor fleet insurance cheaper than individual policies?
- For most businesses running three or more vehicles it works out cheaper, because the fleet is rated on one claims record and administration costs are spread across the whole schedule.
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