Fleet Insurance
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
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.
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.
Possible disadvantages of a fleet policy
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
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:
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
- Updated: 30 March 2025
- Reviewed by Eamonn Turley Insurance Expert