Fleet Insurance

Compare Fleet Insurance Quotes

Fast, Simple & Free Service

One form – you could save £££’s

All Fleet Sizes (From 2 To 500+ Vehicles)

Get Multiple Quotes

Compare fleet insurance policies from leading insurers, including;

Why compare fleet insurance at MultiQuoteTime?

MultiQuoteTime understands the hassle and stress of finding and comparing insurance quotes from multiple UK providers. This can be even more complicated when searching for a flexible fleet insurance policy at an affordable price.

To save you time, and we hope money, we have partnered with Quotezone to provide you access to an online comparison tool. Complete one easy online form to obtain multiple quotes – and it’s 100% free!

Guide to fleet Insurance

Do you need an insurance policy for multiple vehicles? Have you considered fleet insurance? Covering all your vehicles under one policy has the potential to save you money over the traditional one car, one policy route. Cover is available for all vehicle types including cars, minibuses, trucks and vans.

Multi Quote Time works in partnership with QuoteZone, who provide a simple form which, once completed, is submitted to a specialist panel of insurance providers. Complete one simple form which is submitted to a specialist panel of brokers. The panel can provide motor fleet insurance quotes for all fleet sizes, from 2-vehicle fleet insurance to a large taxi fleet. The panel specialises in providing quotes for UK fleet insurance and can easily tailor policies to your exact requirements. Getting multiple quotes is an important step to finding affordable fleet insurance—complete one form to start comparing offers.

How much does a fleet policy cost?

The cost of fleet motor insurance policies will vary, as final cost is dependent on your requirements plus the insurance provider. For example, the number of motor vehicles will be a key determining factor in arriving at a final premium cost. Beyond the number of motor fleet vehicles, other key factors include what the vehicles are to be used for, the value of the vehicles and the history of previous fleet insurance claims.

What types of vehicles can be covered by Fleet Insurance?

Examples include:

Fleet cover is available for any type of vehicle that needs road insurance, from business cars to haulage trucks and everywhere in between. The more common vehicle categories include

Get Multiple Quotes

Vans

Cars

Rental vehicles

Farm vehicles

Delivery or haulage fleets

Motorcycles and Scooters

Any mix of vehicle types

What is covered in a fleet policy?

This type of policy is a policy that is geared at covering more than one vehicle, normally 3 or more vehicles. Most fleet policies provide comprehensive insurance that will provide cover even if the driver is at fault. Third party fire and theft is also available, but will only provide cover to third parties, leaving you to cover your own costs should the fleet driver be responsible, or the other party is driving without insurance. Our guide will help explain how a fleet policy works and how you can save money on fleet insurance.

Fully comprehensive fleet insurance provides cover for your vehicles and their drivers if a vehicle is stolen or involved in an accident. It will also cover the cost of damage to other cars when one of your vehicles is involved in an accident and your driver is at fault.

Typical insurance exclusions include

For the complete list of exclusions, please refer to the policy documents, but below are standard exclusions found in any fleet policy.

Regular wear and tear, for example, worn tires or paint damage from sun exposure.

Theft of a fleet vehicle if left unattended without first being secured.

Any driver that does not meet the policy qualifying conditions, for example, if you have a policy for drivers over 25 only, then a driver under 25 will not be covered. It will not cover drivers that are not covered in the fleet policy.

Popular types of fleet cover based on usage

Fleet insurance is available for any business that operates 3 or more vehicles. How the vehicles will be used will dictate the type of fleet cover required. Some of the standard uses are as follows:

Business fleet Use

Usage can vary widely. The most common is a business fleet, where cars are provided to employees who need them for work, such as sales staff or engineers. In general, this type of perk is also offered to middle and senior management. In many businesses, a company fleet car is included as part of the remuneration package for all staff.

Courier fleet use

The boom in online shopping has created a high demand for courier drivers to deliver goods purchased online. Delivery drivers are on the road constantly, working in all types of weather and often under strict time constraints. This makes courier fleet insurance a higher-risk category compared to a typical business fleet. The increased risk is reflected in the final premium, which will be higher than standard business use insurance.

Taxi or Private Hire Use

For similar reasons to courier drivers, taxi fleet insurance attracts higher premiums to cover the increased risk. This type of insurance is often referred to as hire and reward insurance and includes both private hire and standard taxi insurance.

Haulage Use

Haulage fleets consist of trucks or HGVs of all sizes. Trucks are expensive to purchase, and the cost of commercial HGV fleet insurance is high as it combines road risk with high replacement and maintenance costs.

Self Drive Hire

If you have a fleet of vehicles that you hire out to the public, who can apply for self drive hire insurance. This type of cover is suitable for those that hire out vans, cars, bikes or campervans, or even plant machinery in return for reward.

Service & Workman Use

Most service industries make use of the extra storage space for tools and Equipment provide by a van. Van come in all sizes so dependent on the type of service provided, you may need to cover for micro vans or large panel vans or small 3.5 Ton trucks. Cover in the form of multiple van insurance is available and can also include a mix of vehicles (cars, vans and trucks).

Why you should consider a fleet policy

Whilst fleet insurance will result in savings for many small and large businesses, don’t overlook the added benefit of simplifying the current insurance work process. Having one policy instead of multiple policies will make the process easier and save you valuable time.

Easier to manage: If you have all your vehicles under one policy with one renewal date, insurance renewal will be a one-off annual task. If you have one policy per car, then you will need to perform the same task multiple times at each renewal date.

Possible cheaper premiums: Fleet cover should be considerably cheaper, but you should always compare the costs of individual policies against a group policy.

Any driver: You can opt for an any driver option, which can give you more flexibility and possibly an advantage over your rivals. Any driver fleet policies can be arranged with constraints to make them more affordable. For example, an any driver fleet insurance policy that is only for drivers who are over 25 and have held a license for 3 years. Higher-risk or younger drivers can be added, but must be named drivers. With an any driver policy, you will not have to waste time figuring out who can drive which vehicle, and it is especially convenient when employees come and go.

Discounts: Most insurance companies offer a discount on additional vehicles that you subsequently add to your fleet policy. So, if you are starting out as a new venture, you will be able to add additional vehicles as your business grows and also receive a discount.

Possible disadvantages of a fleet policy

Small fleets: If the fleet is small, say 2 or 3 vehicles, it may work out cheaper to take out separate insurance policies. The likelihood of separate policies working out cheaper will reduce as the number of fleet vehicles increases.

Loss of NCD (No Claims Discount): Traditional No Claims Discounts do not apply to business fleet policies; instead, a claims experience report is maintained. If it is good, this will lead to a better deal. The inability to apply No Claims Discounts may have a bearing on smaller fleets and is a reason to always get comparative quotes for a fleet policy versus individual policies.

What extras can be added to a fleet policy?

You can add many extras to your fleet insurance policy, ranging from Uninsured Loss to goods in transit cover.

Breakdown Cover

Breakdown Cover : Additional cover options can be added if required. Most fleet manages will want to include business fleet breakdown cover to get their vehicle bask on the road and earning money quickly. With breakdown cover you should, you can include within your existing cover or take cover out with a separate specialist provider of breakdown cover. Best to get comparative business breakdown cover quotes and then make your decision.

Hire and Reward Cover

If you are in the delivery sector providing a delivery service in return for a fee or any form of reward, you will need hire and reward insurance. A good example of a business that needs this type of cover would be a removals company

Uninsured Loss Recovery

Uninsured Loss Recovery : The headline in MIB the motor insurance database reads: “Police seize the UK’s 2 millionth uninsured vehicle” that is as of Feb 2020, so that figure is well surpassed by now. The article goes on to state that in the UK every 10 mins, someone is hurt by an uninsured motorist. These motorists have little respect for the laws of the highway and if you or your employees are involved in an accident caused by an uninsured driver you have two options. One option is to claim through your fleet broker, but this is only possible if you have comprehensive insurance. The other option is to claim from the MIB.

Claiming from your insurance broker could have negative impact on your no-claims bonus. This may seem unfair, the good news is that now some insurers that include AA and Direct line give an ‘uninsured driver promise’. Which means if you do claim for an accident that was not your fault because the driver was uninsured, your no-claims bonus will be protected.

Options Against Losing No Claims Bonus

Claim from your fleet broker if you have comprehensive cover and a clause to cover uninsured claims

Claim from the MIB.

Add uninsured motorist protection to your cover if not already included.

Personal belongings cover:

Most comprehensive fleet insurance providers offer some level of personal belongings cover. This is for loss of items that the driver takes with them in the car.

Limits do apply, and if you will have expensive items in your car, it is recommended to check the level and increase this if it is insufficient for your business needs.

Courtesy or replacement car

Courtesy or replacement car : Hiring a replacement car for an extended period can work out expensive. In addition, you have the vehicle hire excess to worry about, unless you take out additional hire insurance at extra cost.

What do you need to get multiple fleet insurance quotes?

In order to get quotes for a fleet of vehicles, please have the following details available:

Company Details: Name, business activity (e.g., self-hire, sales), company address, and years in operation.

Any driver Cover Details: Specify the age groups for drivers that need coverage for all vehicles: 21+, 25+, 30+, or decide later.

CCE Document: Not compulsory, but it will help speed up the process

Fleet Details: Details on the number of cars, vans, or other vehicles that make up the fleet.

About You: Name and contact details, and how you would like to receive quotes :email or SMS

Get Multiple Quotes

To get a motor fleet insurance quotes that can then be tailored to your needs from a panel of expert providers, simply click or tap the blue the het multiple quotes button above.

Fleet Insurance FAQ’s

How many vehicles can be listed under a motor fleet insurance policy?

For most insurance providers, the minimum number of vehicles required for this type of policy is typically five. However, the panel offers flexible fleet insurance options, covering two or more vehicles to better meet your needs.

Do all the policies have to be the same?

A motor fleet policy allows each vehicle to have its own individual policy and level of protection. While all vehicles can be covered under the same level of protection, this is not mandatory. Additionally, insurance options are available for smaller fleets, with coverage starting from just two vehicles under a mini fleet insurance policy.

What affects the Price of Business Fleet Insurance Cost?

The main factors that determine the cost are as follows :

Vehicle : The type and purchase price of the vehicles.
Annual Mileage : This is dependent on fleet use, but the more the motors are on the road in transit, the higher the premium.
Driver Age: The risk profile is reflected in the driver’s age. Young driver are statistically higher risk.
Driver History : Drivers with a good no claims history are less risk and will help reduce your overall insurance premium. However, drivers with a poor driving history will inflate your final premium. Choose your drivers carefully. Providing additional training will reduce claims and is a good long term strategy for getting more affordable quotes.
Named Driver or Any Driver : Any driver fleet insurance provides flexibility in usage, but comes at a higher premium.
Fleet Usage : How the fleet is deployed is a big factor, the most common categories are highlighted in the following section.

Is a policy based on fleet usage possible?

A new approach to pricing fleet insurance is gaining traction: usage-based insurance (UBI). This model calculates premiums based on the miles driven and the driving habits of the operators. Insurtech companies are challenging the traditional “one-price-fits-all” model, and usage-based fleet insurance is poised for growth as fleet managers recognize the cost-saving potential and flexibility it provides. This model is particularly appealing to self-hire and drive fleet managers, as it ensures they only pay for insurance when vehicles are actively rented out, making it a more efficient and tailored solution.

What levels of business fleet cover are available?

TPO : Third party only cover is the legal minimum by law. The cover extends only to the third party, providing cover for damage or injury to the third party only.

TPFT : Third party with fire and theft provides TPO protection plus cover if your vehicle is stolen or damaged by fire.

Comprehensive : Provides TPFT and additionally will cover cost for damage or replacement if a fleet vehicle is involved in a road accident or another insured events.

Is it cheaper to get fleet cover?

Fleet insurance is designed to be more cost-effective than insuring vehicles under separate policies, offering the added advantage of streamlined administration. However, it’s always wise to compare both options before making a final decision, as there are cases where traditional individual policies may turn out to be the more affordable choice. Evaluating your specific needs and obtaining tailored quotes will help ensure you select the best option for your business.

Named vs Any Driver Fleet Insurance, which is best?

Any driver fleet inusrance will give greater flexibility in ensuring your fleet is used optimally. Any driver fleet insurance will be higher than named driver only, but the fleet manger should decide which is the most cost effective overall. The good news is that fleet brokers can provide mixed policies. So if you do have high risk drivers (young or with a history of claim) they can be excluded from the “any driver policy” and insured under a separate named driver only policy

Can I add taxis to a fleet insurance policy?

Absolutely. Taxi fleet insurance policies can cover both private hire and public hire vehicles, including black cabs, minicabs, and minibuses. This makes fleet insurance an attractive option for taxi firms, as it allows them to insure multiple vehicles under a single policy, simplifying management and often reducing costs. Many taxi companies opt for this type of insurance to ensure comprehensive coverage across their entire fleet.

Do you need a business for fleet cover?

Yes, to qualify, you’ll need to operate a registered business and have two or more company-owned vehicles. This type of policy is tailored for businesses looking to insure multiple vehicles under a single plan, offering convenience and potential cost savings. If you meet these criteria, a fleet policy could be an efficient solution for managing your vehicles’ coverage.

What is mini fleet insurance?

A mini fleet policy is a tailored solution designed for smaller fleets, typically ranging from two to five vehicles. It’s a popular choice not only for small businesses but also for families looking to insure multiple vehicles under a single policy.

Opting for mini fleet insurance can lead to cost savings compared to insuring each vehicle individually, while also simplifying paperwork and streamlining the claims process. This makes it a convenient and efficient option for those managing a smaller number of vehicles.

Updated: 30 March 2025
Reviewed by Eamonn Turley Insurance Expert