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Mini fleet insurance | Small Fleets Van & Car

Last updated 28th Sep 2022 by Eamonn Turley

Mini fleet insurance is the ideal policy for a large family or a small business. The number of vehicles this specific type of coverage can protect is as few as 2 and as many as 5. Grouping cars 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 the small fleet insurance option. 

mini fleet insurance UK

Mini fleet insurance is a form of fleet insurance, but aimed at smaller fleets that comprise 2, 3 or more cars, but normally under 5 vehicles. Above that number, then you could start to consider any driver fleet insurance. Another option to consider is family fleet car insurance policy, these are flexible and aimed at households with multiple vehicles registered at that address. 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 insurance. Your insurance requirements will be shared with a panel of specialist brokers. 

How many vehicles to qualify for small fleet insurance

To qualify for small fleet insurance, 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.

Fleet insurance for new business

When you think fleet insurance, most of us will conjure up images of a business car park full of cars. This would be typical for a large business, but for a business start up with maybe only 2 business cars, it is still possible to avail of small fleet business insurance. A start-up needs to make savings where possible, and this type of cover may work out cheaper than the traditional one car one policy route.

Can the policy include private cars, vans and trucks under one policy?

A small fleet policy is flexible, letting you add cars, vans, motorbikes and larger vans and trucks. In addition, you can choose the level of cover. For example, one vehicle could have third party fire and theft cover and another have full comprehensive cover. This is also true of family fleet insurance, which is aimed towards private non business fleets.

Since by law, all motor vehicles on the roads in the UK are required to have road risk insurance, all motorised vehicles can be included in the mini fleet policy. In summary, mini-fleet insurance is not limited to cars, letting you include motorbikes, minibuses, vans, trucks, motorhomes, horseboxes, trucks and lorries.

  • Cars and Pickup's
  • Vans
  • Trucks and Tippers 
  • Pick-up's
  • HGVs Heavy Goods Vehicles
  • Minibuses
  • Taxis (public and private)
  • Bikes

What is mini fleet insurance?

This is a fleet insurance policy geared towards providing cover for new small business start ups or an existing small business. The policy can include a mix of vehicles, for example cars and vans. The minimum requirement to take advantage of a small business fleet policy is 2 or more motors.

What insurance do I 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 classifications of policies are issued to fleets?

The exact type of vehicle insurance issued is dependent on the needs of the owner, their preferences and how they will use their vehicles. Motors that will be used as part of a business need to have a commercial vehicle licence. Cars to be used for personal use have to be covered by a social, domestic and pleasure policy. If you will be providing a delivery type service, then you will need a specific courier fleet insurance policy for hire and reward.

  • Commercial insurance is used for taxis, courier vehicles, trucks and vans used as part of a business.
  • Social, domestic and pleasure cover is issued for use as commuters and personal use which are generally motorbikes, cars, motorhomes and small trucks.
  • Hire and reward fleet insurance or haulage fleet insurance.

What are the levels of small fleet insurance available?

The levels of cover are the same for both commercial and social, domestic and pleasure cover and include the following;

  • Third Party only. This is the minimum level required by UK law. This level of cover provides protection to the other drivers, property and pedestrians, but does provide cover to your own vehicle.
  • Third party with fire and theft. This includes third party as above plus damage to your vehicles by fire, theft or vandalism. In the event of theft, the policy can help compensate you and some will also provide a courtesy car in the interim. 
  • Fully comprehensive. Cover as above plus cover is extended to you and your vehicle and property.

Mini fleet cover optional extras

For those using their fleet motors as part of a business, other areas of cover should be considered as below.

  • Employee liability insurance is required by law for all business that has employees that work for them that are not family members. This protection is if the employee is injured while performing their duties for the business.
  • Public liability cover is recommended to help protect the business when a third party makes a claim of being damaged or hurt on the business property of by an employee.
  • Goods in transit is cover that provides protection for the items being transported in a van. The cover will normally cover the goods for damage, lost or theft.

Do all the policies 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. 

Mini fleet insurance compare quotes easily

Comparing is a vital step in finding the best deal. One big advantage of the internet is the ease of getting a wide range of quotes, which makes comparison relative easy. If you are looking for your first policy or renewal time is coming up, research all the available options. Loyalty should be to the best price that you can find that offers the level of cover that your small business needs for protection.

Small Fleet online insurance Quotes

After you complete one simple form, your requirements will be shared with a select panel of UK insurance brokers. They will compete to provide you with a policy tailored to your specific business or pleasure needs. If you own or operate a small fleet of cars or a mix of cars, vans and motorbikes, a mini fleet van insurance policy may be the best way to go. To find a mini fleet deal best suited to your requirements, you will need to compare all the options currently available in the UK marketplace. Save time by requesting multiple quotes from the select panel of QuoteZone brokers waiting to help you in your search for the best deal. 

Mini Fleet Insurance FAQ's

What is small fleet insurance?

Small fleet insurance is a single policy that will cover 2, 3 or more vehicles, also referred to as mini fleet insurance.

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