Mini Fleet Insurance 2,3,4 vehicles | Small Fleet Insurance by MultiQuoteTime

Mini Fleet Insurance

  • Bespoke cover for your business needs
  • Multiple quotes for mini fleet insurance
  • Fleet insurance for any driver over 25
  • Personal fleet insurance
  • Fleet insurance for new business
  • One easy form for multiple quotes today

Compare Mini Fleet Insurance 

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 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 Quote Zone r 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. 

What types of vehicles can be included with mini fleet cover?

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. This includes cars, motorbikes, minibuses, vans, trucks, motorhomes, horseboxes, trucks and lorries.

What classifications of policies are issued to fleets?

The exact type of vehicle insurance issued is dependent on the needs of the vehicle owner, their preferences and how they will use their vehicles. Vehicles that will be used as part of a business need to have a commercial vehicle licence. Vehicles to be used for personal use have to be covered by a social, domestic and pleasure policy.

  • 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 vehicles which are generally motorbikes, cars, motorhomes and small trucks.

What are the levels of mini fleet cover 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 vehicle 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 vehicles 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 business vehicle. 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 vehicle. The type of policy required along with the level of cover is based on the vehicle owner requirements. Once all the vehicles have been issued a policy, all the policies are then lumped together as a mini fleet insurance policy. This makes it possible for each vehicle 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 vehicle 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 the vehicle and be covered. 

Comparing your mini fleet quotes quotes easily

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 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 brokers waiting to help you in your search for the best deal. 

Small Mini Fleet Insurance Quotes

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