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 Cheap Family fleet car insurance 

The family fleet insurance policy is designed to help lower the overall costs of protecting all motors owned by a family, while still making it possible to insure each one to the level required by the owner. This type of fleet insurance coverage is aimed at families with multiple cars registered at one address.

family fleet car insuarnce

Multi Quote Time works in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. The panel of UK brokers also offer comparative quotes for any driver fleet insurance, a product that is geared towards a business that needs flexibility in allocating drivers 

What types of vehicles can be covered under a family fleet policy?


Luxury cars

Sports cars

Classic cars




Electric cars

How does family fleet car insurance work?

This type of policy all begins with the first vehicle being covered by a policy with an insurance company. With a discussion with the insurance broker, a second motor can be covered under a family fleet umbrella policy. When this occurs, the premium should be discounted. This discount can be up to 10%. The discount should be repeated with the addition of other vehicles.

How many vehicles can be included in a family fleet car policy?

Most insurance firms offer this type of policy to cover between 3 and 5 vehicles, but exceptions can be made for up to 10 vehicles. If there are only 2 vehicles to be covered, the policy’s name is generally referred to as multi car insurance.

The most common exception for more than 5 vehicles in the policy is for the person who owns more than one vehicle. This can be a motor collector or just a person with a commuter car and another for the weekend trips.

What are the requirements for the vehicles to be included in a family fleet insurance policy?

All the vehicles listed in a family fleet insurance policy be registered with the DVLA at the same residence.

Who can join the family fleet car policy?

  • Any family member that lives at the residence.
  • Students away at university who have their car registered at the same residence are eligible to participate in the family fleet policy discount.
  • Oversea workers that have their car registered at this same residence.
  • Friends and boarders that live at the residence.

Do all policies have to be at the same level of coverage?

No, each individual policy under the family fleet policy is just that, an individual policy. The level of protection and options on it is the decision of the vehicle owner. This makes it possible for each policy to be tailored to the needs, desires and budget of each vehicle owner. This not only includes the road risk portion of the policy, but also the options like breakdown cover.


Each insurance company has its own lower and upper limit to the number of  motors this type of policy can include. The industry standards include 2 as the minimum number and the maximum number being set at 6.

What are the advantages of having a family fleet insurance policy?

  • While this is a group policy much like an umbrella where all the individual vehicles are lumped together, each car still retains their own individual policy with what is covered and at what level. Each car can have a policy tailored to the needs of the car owner.
  • Each driver may also keep their own no claim bonus which is always kept separated from the other policies under the umbrella.
  • Each motor can have a policy tailored to the needs of the car owner.
  • Time can be saved with less paperwork and one central broker  contact. One central contact  should make claims and other inquiries easier to manage.
  • Save money. Lumping all family cars under one policy should lead to a cheaper deal than going the traditional one car, one policy route. This is not always the case, so best to compare all options before making a final decision.

What is the requirement for a vehicle to be included in a family fleet insurance policy?

The vehicles that can be included in a family fleet policy can be blood relatives, their spouses and offspring. It can also include friends and boarders. The relationship to the first vehicle’s owner is not what is important. What is important is that the vehicle to join the policy must be registered and licensed to the same residence as the first car registered. Motors being used by college students should be registered at their parent home so that they can be included in this group policy.

What types of vehicle can be included in a family car fleet insurance policy?

A family fleet policy is made to cover any type of social, domestic and pleasure vehicle. In simple terms, no commercial vehicles can be listed. Because of that, work vans for tradesmen can’t be included. What can be included are commuter, classic, performance and sports cars along with trucks or HGV vehicles, motorhomes, camper vans, private use horseboxes, motorcycles and ATVs.

What level of coverage will be on the vehicles in a family fleet insurance policy?

The overall umbrella policy groups all the vehicles at one residence together. The actual cover for each motor is then set by the owner of the vehicle. The options include the following;

  • Third Party Only, which is the minimal level permitted for a motor to be legally on the motorways in the UK. This provides the funds to repair the other vehicle when the driver of the vehicle with third party coverage is at fault. It also covers the medical bills of the other party.
  • Third Party Fire and Theft is the same as the above and also provides funds to repair the covered vehicle if it is damaged by fire or is stolen.
  • Full Comprehensive cover provides the funds for repairs to both vehicles and medical bills of all the occupants of said vehicles involved in the accident.

Each owner needs to decide what level of coverage they need or can afford for their vehicle on an individual basis. Each of these policies is tailor-made for the owner, then grouped in the family fleet policy.

Get custom quotes made to suit all your Family Needs

Most family member will have differing insurance requirements. Some will only need third party, others may need fully comprehensive with some additional extras. The panel can provide you with a family policy that is tailored to each individual. 

Are there any additional types of protection that can be included?

Family car breakdown cover is the most common add-on type of coverage. This type of cover has several levels of protection that can be added to a full comprehensive policy.

  • Basic breakdown cover includes roadside assistance where a mechanic is dispatched to the location of the disabled motor. Simple repairs can be made to make the vehicle roadworthy again, like changing a tire or replacing a belt. If repairs can’t be made, then the vehicle is towed to the nearest garage. This assistance must be at a minimum one-fourth of a mile from the home residence of the policy owner.
  • Additional coverage can make it possible to include roadside assistance at the home residence and for the towing of the stricken vehicle to the repair facility of choice in the UK by the owner.
  • Carry forward where the occupants of the stricken vehicle will be provided with transportation to their destination either by hire car, train or bus tickets is also available.

European cover is provided for those who travel to the continent so that they will be covered while on their adventure.

4 ways to save money family fleet car insurance in 2022

Insurance firms determine the cost of a premium for each motor by determining the risk the vehicle and the driver poses to them. Small vehicles with small displacement engines pose the smallest risk. Experienced drivers with no convictions also pose a low risk compared to young drivers. The smaller the risk, the lower the premium.

On the other hand, inexperienced drivers and those with convictions on their driving record pose a high level of risk. Vehicles with large displacement engines also pose a high level of risk to an insurance firm. The higher the risk, the higher the premiums.

To keep the overall premium of the family fleet insurance low, a reduction in risk to the insurance firm is required. This includes how and where the vehicles are parked when not in use. The lowest risk is in a locked facility like a garage or shed. The highest risk location is on the street.

1. Reduce Risk of Theft

The installation of theft deterrent devices like immobilizers and alarms lowers the risk, and many of them have automatic discounts provided by the insurance firms.

2. Reduce Admin 

Most insurance firms offer the payments of the premiums to be made monthly, quarterly or annually. When paid annually the total amount is less than the other two. This is due to the interest charges on monthly and quarterly payments since the premium has an outstanding balance due.

3. Reduce Number of Named Drivers

By limiting the number of named drivers for each motor will help keep the premium costs down to a minimum.

4. Compare options

By obtaining several family fleet quotes, you can compare what is in each policy along with what each one costs.

The family fleet insurance policy is made for the family and group of people that reside under one roof or at one compound similar to a mini fleet insurance policy. By reducing the risk and obtaining multiple insurance quotes from several firms will help the owners to make an informed decision to fit their insurance needs.

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