Multi Van Insurance UK 2,3 or More Vans + Cars

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  • Fleet van insurance
  • Tailored to your business requirements
  • Multiple fleet van quotes
  • Fleet van insurance 2 vans or more
  • Multi van insurance any driver option
  • One easy form for multiple quotes today

What is fleet multi van insurance?

With a fleet van insurance, 2 or more business vans can be insured under a multi van fleet policy. This can work out cheaper, but not all the time. As such, also get individual quotes and compare. In general, the reduced costs of the policies are due in part to the discounts given for having more than one policy with a single insurance firm. Please note, fleet van insurance can also include cars.

multi van fleet insurance uk

A multi van insurance policy is an umbrella type of policy in which several other policies are held under it to represent the individual vehicles being protected. 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. To get multiple quotes, select GET A QUOTE  button above and provide basic information to a panel of UK brokers. 

Who can drive the vehicles under a multi van fleet policy?

  • The policy can be limited to named drivers only. This is a standard type of vehicle insurance policy.
  • If you need more flexibility in allocating drivers to vans then you can opt for an any driver fleet insurance policy. An any driver policy can be restricted or limited to exclude high risk drivers. For example any driver over 25 with 2 years no claims history and held a licence for at least 3 year. Adding these type of restrictions is common and will help to reduce the cost of the policy.

How many vehicles can be covered with a multi insurance van policy?

This type of policy is designed for any size business, the number of vehicles can range from a few to many. The multi van insurance policy can also be for a single person who owns and drives more than one van. 

What type of coverage will the vehicles have?

The choice of what level of insurance each vehicle will have is the decision of the owner. The available options include;

  • Third Party : This road risk cover is the minimum legal requirement and only covers the third party costs. 
  • Third Party Fire and Theft : A step-up providing additional cover for fire and theft.
  • Full Comprehensive : Provides cover to both you and any third party

While each vehicle can have the same level of coverage, it is not required.

The choice of add-ons is also the choice of the vehicle owner. This makes it possible for one or all of the vehicles to be covered with breakdown insurance, lost key replacement and or windscreen protection.

Can I exclude some drivers from an any driver multi van insurance fleet policy?

Most brokers are flexible in arranging cover. You may choose an any driver policy, but only for drivers that are over 25. This approach will  be cheaper than, for example an any driver over 21 policy, as the risk is reduced. Drivers under 25 or young drivers could possibly be added as named drivers only.  

How can I reduce the costs of multi van insurance?

Lowering the cost of multi van insurance requires you to take steps to lower your risk in the eyes of the insurance broker. If you pose a lower risk you should be rewarded with a lower premium.

  • Security: Ask yourself can you lower the likelihood of your vans being stolen. Can you provide secure overnight parking? Can you add tracking devices that are insurance approved? Consider these questions and also speak with your broker for further advice on improving your van fleet security. 
  • Drivers: Drivers are not all good and some are seen as high risk.  Drivers under 25 are just statistically a high risk. Driver that are over 25 can still pose a risk, before employing a driver it would be prudent to check their driving history. A history of claims will impact your multi van insurance premium negatively. 
  • Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims. Maybe extreme, but you could make drivers responsible for the vehicle excess amount or a percentage of. 

I operate a small courier business - can I get a small fleet policy?

Fleet insurance is a flexible product and can be tailored to your business needs. Small business fleet insurance sometimes referred to as mini fleet insurance is an aimed at a growing business or start ups.

Can I insure 2 Vans on one policy?

A multi-van policy enables you to insure 2 or more vans or other vehicle categories on one easy to manage policy. Additional vans can also be added at a later date, additions should qualify for discounts.

How much does multi van insurance cost?

The cost will depend on a number of factors, the key factors are the number of vehicles, vehicle insurance category and the level of cover required.

  • Type of policy, named or any driver and driver restriction imposed in the policy.
  • The excess amount, the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.  
  • Fleet security and history of claims.
  • History of drivers : Drivers with convictions will inflate costs. Conversely, experienced with a good history of no claims would help reduce costs.   
  • Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any driver multi van policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers. 

How to reduce the costs of multi van insurance

Lowering the cost of multi van insurance require you to take steps to lower your risk in the eyes of the insurance broker. If you pose a lower risk you should be rewarded with a lower premium

  • Security: Ask yourself, can you lower the likelihood of your vans being stolen. Can you provide secure overnight parking? Can you add tracking devices that are insurance approved? Consider these questions and also speak with your broker for further advice of improving your van fleet security. 
  • Drivers: Drivers are not all good and some are seen as high risk.  Drivers under 25 are just statistically a high risk. Driver that are over 25 can still pose a risk, if the job entails driving check their driving history. A history of claims will impact your multi van insurance premium negatively. 
  • Training : Accidents happen if you notice a trend consider  the cause and implement training or address the situation to get driver to be more responsible. Example award drivers that do not make claims.

What type of discount is provided for having a multi van insurance policy?

The idea behind a fleet policy is to reduce your overall insurance costs. In most cases a fleet policy should work out cheaper than insuring each vehicle individually. It is standard to be provided with some form of discount if and when you add additional vehicles to your base policy. This should be negotiated with your broker in advance.

Will a no claims discount be affected if a claim is made on one of the vehicles?

The no claim discount is  earned by making few or no claims. It is initially granted when no claims are made in a year. With each additional year of no claims, the discount amount should rise.

What is the renewal date for a multi van insurance policy?

The renewal dates will be one year from the time the policy is signed. The payments can be annually or monthly. Some insurance firms will prorate a policy so all of them will have the same renewal date if the vehicle owners request this. They can also be different if desired. The advantage of having the same renewal date is all vehicles can be covered with just one payment, also saving on administration time.

A multi van insurance policy is the easiest way to cover all your company vans and can be tailored to the exact needs of your business. If you are  at startup van courier business for example it will be easy to additional vehicles as your operations grow.  


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