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Guide To Fleet Insurance
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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 specialise in providing quotes for UK fleet insurance and can easily tailor polices 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 Insurance 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 is Covered in a Fleet Policy?
A fleet insurance policy is a policy that is geared at covering more than one vehicle, normally 3 or more vehicles. Most fleet insurance policies provide comprehensive insurance that will provide a cover even if the drive 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 insurance 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 was at fault.
What Affects the Price of Business Fleet Insurance Cost?
The main factors that determine the cost are as follows :
Types of Fleet Insurance Based on Usage
Business fleet Use
Usage can vary widely. The most common is a business fleet. The car can be provided to those that need it to conduct business, for example sales staff or engineers. In general, this type of perk is also provided to middle and higher management. In many businesses, a company fleet car to be part of the remuneration package for all staff.
Courier fleet use
The boom in online shopping has created a demand for courier drivers to delivery goods bought online. Delivery drivers are on the road constantly delivering in all types of weather and often within time constraints. This makes this category of courier fleet insurance higher risk than a typical business fleet. The risk is built into the final premium, which will be higher than standard business use.
Taxi or Private Hire Use
For similar reasons to courier drivers, taxi fleet insurance will attract higher premiums to cover the increased risk. This insurance product is often referred to as hire and reward insurance and covers private hire insurance and standard taxi insurance.
Haulage Use
Haulage fleets consist of trucks or HGV’s of all sizes. All trucks are expensive to buy and the costs of commercial HGV fleet insurance is high as it combines the 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 and 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).
Possible Advantages of A Fleet Policy
Possible Disadvantages of a Fleet Policy
What Optional Extras Can I Add to my Fleet Vehicle Insurance Policy?
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.
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
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.
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UK Fleet Insurance FAQ's
For most insurance firms, the minimum number of vehicles that need to be included in this type of policy is five, but the panel can provide fleet insurance for 2 or more vehicles.
With a motor fleet policy, all vehicles under it can have their own individual policy and level of protection. While they all can be at the same level of protection, it is not a requirement. Insurance options do exist for smaller fleets and cover is available for 2 cars under a mini fleet insurance policy.
A new model of pricing fleet insurance is based in usage. UBI ( Usage-based-insurance) is based on the miles covered and the driving habits of the drivers. Insure tech companies are disrupting the tradition one price fits all model and usage based fleet insurance is set to grow as fleet managers realise that the flexibility it offers can save them money. The model is becoming the preferred solution for self hire drive fleet managers, meaning that they only pay insurance when vehicles are hired out.
Fleet cover is designed to work out cheaper than insuring your vehicles under separate polices, and you will have the added benefit of less administration. Alway compare both options before making your final choice, as sometimes the traditional route can turn out to be the cheapest option.
Any driver 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.
Yes, you will need a registered business with two or more company owned vehicles to be eligible for business fleet insurance.