Fleet Insurance NI
Compare fleet insurance NI policies from leading insurers, including;
Why compare fleet insurance Northern Ireland at MultiQuoteTime?
Getting multiple comparison quotes when you live in Northern Ireland can be a real hassle, as many insurers are unable or unwilling to provide cover to NI residents!
MultiQuoteTime, through its partnership with Quotezone NI, helps you to easily find and compare minibus insurance quotes from top insurance providers in both UK and NI.
Search & Compare – One Form Multiple Quotes!
A Guide to Fleet Insurance in Northern Ireland
Fleet insurance provides cover for 2 or more vehicles under one policy. Some insurance fleet providers may only offer this type of cover for fleets that have 4 or more vehicles, others will accept 3 and for some 2 vehicles will be accepted. This type of cover is aimed at making administration easier and should also result in savings. Another attractive feature is that most providers will offer discounts as you add or grow your vehicle fleet. With that said, you should always compare fleet insurance against insuring your fleet under separate polices.
This type of insurance can be tailored to the unique needs of your business activity and often provides cost savings compared to insuring each vehicle individually.
In order to get the best deal on large or mini fleet insurance, it’s vital that you compare quotes from a wide range of providers
We can provide you with access to a range of quotes from a panel of fleet insurance brokers that are able to tailor polices to you or your business’s individual requirements.
- Cover available for all types of vehicles (company cars, vans and lorries )
- Polices can be tailored to your unique business requirements
- Flexible payment options
- One short form – save time & money
- All Fleet sizes from 2 vehicles upwards.
- Specialist any driver fleet insurance available with constraints to lower costs
What are the benefits of having fleet insurance?
The benefits of fleet insurance are many, for example, you pay one annual premium to get all your vehicle fleet and drivers covered. In return, your company will be responsible to ensure that all drivers fit the criteria of the policy (e.g., it could state that all drivers must be over 25 to have a licence free of convictions or below a set number of points in a fixed time period , etc).
Key features of fleet insurance in Northern Ireland:
Below are just are some key elements that can be included in a removals fleet insurance policy in the North of Ireland:
- Fleet Vehicle Coverage: This covers damage to the insured vehicles resulting from accidents, collisions, theft, vandalism, fire, or other covered perils. Coverage may vary depending on the type of policy (comprehensive, third-party, or third-party, fire, and theft).
- Liability Coverage: Third-Party Liability: Covers bodily injury or property damage to third parties caused by the insured vehicles.
- Goods in Transit Coverage: GIT Protects the goods or cargo being transported by the fleet vehicles against damage, loss, or theft.
- Fleet Management Tools: Some insurance companies may offer additional services or tools to help manage the fleet more efficiently, such as telematics systems for vehicle tracking, risk management advice, or driver training programs.
- Legal Expenses Coverage: Helps cover the costs associated with legal disputes, including legal representation, court fees, and other legal expenses.
- Uninsured/Underinsured Motorist Coverage: : Protects the insured vehicles and occupants against damages caused by uninsured or underinsured drivers.
- Employer’s Liability: Covers bodily injury to employees arising out of the course of employment, where applicable.
It’s important to carefully review your fleet policy schedule and ensure that it adequately covers your vehicles, operations, and potential liabilities. Any limits, constraints, deductibles, and exclusions should be clearly understood to avoid any surprises in the event of a claim.
What types of vehicles can I insure under a fleet policy?
Providers of fleet cover are flexible when it comes to vehicle types that can be covered under a blanket policy. So if your commercial fleet includes a combination of cars, vans and minibuses, for instance, you should be able to put them all on a single policy.
If you just operate with one vehicle types, then you can buy specific policies such as van fleet or motorcycle fleet cover.
Factors that Impact the costs of Multi Vehicle Insurance
Lowering the cost of farm fleet insurance quotes entails taking steps to lower your risk of insurance claims. As potential payouts can be very significant, it is important and in some cased the insurance company will mandate that you follow strict guidelines in lowering the risk of accidents. Some of these areas include
- Security: It is important that these vehicles are always kept secure, follow guidance from your insurance company.
- Drivers: You may find that any perspective insurance company will insist on experienced drivers that have a verified history of safe driving.
- Implement Driver Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims.
- Voluntary Excess amount : the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.
- Over 25 : Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember, you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any fleet van insurance any driver policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers.
- Named Only: Type of policy, named, or any driver and driver restriction imposed in the policy.
- Multiple Quotes : Like any purchase, you will need to do some upfront research to help find the best quote that meets your requirements and is also affordable.
What extras can be included in an NI fleet policy?
You can select a range of extras to your fleet insurance NI policy, ranging from legal cover to public liability cover.
Courtesy car,van or bike (TPO)
If one of your fleet vehicles is off the road for an extended period due to an accident, a replacement vehicle is invaluable. It allows you to continue business operations and save on car rental costs. Some providers offer this as standard, but if not, it can often be added as an optional extra.
Legal cover
Occasionally, a traffic accident may be contested in court. While uncommon, the resulting legal fees can be substantial. Having legal cover in place will provide financial protection should the need arise.
Replacement keys
If you’ve ever lost your car keys, you may have been shocked at the cost to replace them. Having this added cover can help cover you from those unexpected expenses.
Public Liability Insurance
Public liability insurance, while not directly related to fleet insurance, is a cover that all businesses should take seriously. If a member of the public makes a successful injury claim against your business, it could result in significant financial costs. Public liability insurance is inexpensive, and you can choose £10 million in public liability cover or a lower amount based on your liability profile. The insurance provider can advise further on this.
Personal belongings cover
Most fleet insurance policies include some level of personal belongings cover. However, if your employees carry expensive items, you should consider extending the coverage in consultation with your insurance provider.
What do you need to get multiple NI fleet insurance quote?
In order to get quotes for NI fleet insurance, please have the following details available:
Fleet Cover NI Frequently Asked Questions
- Updated: 31 March 2025
- Reviewed by Eamonn Turley Insurance Expert