Small Fleet Insurance 2, 3, 4 or 5 Vehicles | Multi Car Business Insurance

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Small Fleet Insurance

Insuring 2, 3, 4 or 5 Cars and Vans on One Policy

One policy, one renewal date, one payment. Mini fleet insurance is designed for small businesses with 2 to 5 vehicles and can cover a mix of cars, vans, taxis and more — often working out cheaper than insuring each vehicle separately.

From 2 vehicles

Cars, vans or mixed

One renewal date

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One form — quotes from specialist fleet brokers

Cover for 2 to 5 vehicles on one policy

Cars, vans, taxis and mixed fleets

Free no-obligation quotes in minutes

Quotes provided by FCA regulated specialist fleet brokers.

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FCA regulated providers

Compare Small Fleet Insurance In 3 Steps

Tell Us About Your Fleet

Tell us how many vehicles you need to cover, the vehicle types and how they are used for business

Compare Quotes

Compare prices and cover levels from specialist mini fleet insurance brokers on one easy form

Cover Your Whole Fleet

Get all your vehicles covered under one policy with one renewal date and one point of contact

All Panel Members Are FCA Regulated

Why compare mini fleet insurance with MultiQuoteTime?

MultiQuoteTime understands the hassle and stress of finding & comparing insurance quotes from multiple UK insurance providers.

Comparison is a crucial step in securing the best deal. One of the major advantages of the internet is the ability to quickly obtain a wide range of quotes, making it easier to compare options. Whether you’re searching for your first policy or approaching renewal time, it’s important to research all available options. Your loyalty should lie with the best price that meets your business’s coverage needs, rather than sticking with the same provider out of habit.

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 Small Fleet Insurance

Mini or small fleet van insurance is the ideal policy for a new business venture or a small delivery business. The number of vehicles can range from 2, to 3 or 4 or 5 vehicles. The mini fleet can consist of a mix of both work vans and cars. Grouping cars or vans or a mix under one insurance policy should save you money. However, this is not always the case, so it is always recommended comparing the traditional single policy route with taking out a mini fleet insurance policy.

Mini fleet insurance is a form of fleet insurance, but aimed at smaller fleets that comprise 2, 3 or more vans, but normally under 5 vehicles. Above that number, then you could start to consider any driver fleet insurance. Multi Quote Time working in partnership with QuoteZone can get you started with multiple quotes from a panel of select UK insurance brokers for mini fleet van insurance. Your insurance requirements will be shared with a panel of specialist brokers.

How Many Vehicles Are Required to Apply For Small Fleet Insurance

To qualify for small fleet insurance or business insurance for a small fleet, you will need a minimum of 2 vehicles, additional vehicles can be added later as you grow your small business. You may also wish to consider family feet insurance if all the cars are registered at the same address.

Can the Policy Include A Mix Of Vehicles Types Under One Policy?

A mini fleet policy is flexible, letting you add cars, vans, motorbikes and larger vans and trucks. With some insurers, it is also possible to choose different levels of cover. For example, one vehicle could have third party fire and theft cover and another have full comprehensive cover. Any of the vehicle categories below can be added into a mini policy

Cars and Pickup’s

Vans, Trucks and Tippers

Taxis (public and private)

HGVs Heavy Goods Vehicles

Bikes

Minibuses

What Insurance Do You Need to Start a Rental Car Business?

If you are entering the van or car rental business, you will need specialist self driver fleet insurance. Traditionally, you would buy an annual policy to cover your rental fleet, but that has changed. With the advent of COVID, it quickly became apparent that covering cars that were just sitting in the rental car park was not sustainable for any rental business. This has led to a new pay as you go self drive hire insurance becoming available that is based on actual usage. Think of it as pay per use basis that only activates the insurance when the car is actually being hired out.

What our expert says

You can tailor your mini fleet policy to include only the level of coverage you require. Additionally, you have the option to enhance your policy with extra cover features, such as windscreen repair and replacement vehicle services, ensuring it meets your specific needs. Eamonn Turley, Founder of MultiQuoteTime.co.uk

What do you need to get multiple insurance quotes for your small fleet?

In order to get quotes for any driver fleet insurance, please have the following details available:

Company Details: Name, core business activity, address of company years trading

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: Number of cars, vans, pickups, minibuses, trucks, taxis, or other vehicles.

About you: Name and contact details

Get Multiple Quotes

Mini Fleet Insurance FAQ’s

What is small fleet insurance?

Small fleet insurance, also known as mini fleet insurance, is a single policy designed to cover 2, 3, or more vehicles. This type of policy simplifies management and provides comprehensive coverage for businesses or individuals with multiple vehicles under one plan.

Will small business fleet cover work out cheaper than standard car insurance?

A Fleet policy is designed to work out cheaper than insuring your vehicles under separate polices, and you will have the added benefit of less administration. That being said, it is always important especially for smaller fleets to compare the 2 options as sometimes the traditional route can turn out to be the cheapest option.

How Can I Lower the Cost of My Small Fleet Insurance Policy?

It is important not to under insure and select a level of cover that will cover your risks. You can also take steps to reduce your risk profile, take a moment to consider the following options that if followed should lead to a cheaper quote.

Agree to keep your fleet parked in a secure area when not out on business.
Add tracker and additional safety devices to your business vehicles.
Pay for small fleet insurance on an annual basis rather than monthly
If you are currently driving a car in a high insurance category, consider swapping to a lower category
Agree a higher voluntary excess for your business vehicles.
Get multiple quotes So that you can compare fleet insurance providers

Will you get a discount if you add more vehicles to the policy?

Yes, most providers will insure fleets with as little as 2 vehicles, especially if you are a small business, new venture or a start-up.

Can I get business fleet insurance for 2 vehicles?

This is one of the attractions of opting for fleet cover, as most if not all providers offer discounts if and when you add additional vehicles to the policy schedule.

Will I get discount if I add more vehicles to my Policy?

This is one of the attractions of opting for fleet cover, as most if not all providers offer discounts if and when you add additional vehicles to the policy schedule.

Do all the policies cover conditions have to be the same?

A policy is issued for each motor. The type of policy required along with the level of cover is based on the owner requirements. Once all motors have been issued a policy, all the policies are then lumped together as a mini fleet insurance policy. This makes it possible for each motor to have the cover at an individual owner requirements level. So it is possible to mix a vehicle with a hire and reward insurance policy with Social, Domestic and Pleasure use under the same fleet policy.

The policies can also be made to protect the motor or the driver. By naming the drivers, they can drive any of the vehicles and be covered. By naming the vehicles, anyone named in the policy can drive with cover.

Where can I find out more information on fleet insurance for startups?

DVLA fleet scheme: information and benefits

Multi Quote Time – Specialist Fleet Insurance Comparison

The panel of insurance brokers that we have access to can provide you fleet insurance for all types of business that have multiple vehicles, including:Heading

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