Mini Fleet Insurance
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What is mini fleet insurance?
Mini fleet insurance allows you to insure multiple vehicles under a single policy. Whether you are a small business or a household with multiple vehicles, this option can simplify renewals, reduce admin time, and potentially lower your overall premiums.
Why choose small fleet insurance?
Less admin
You have one policy, one renewal date, and one point of contact when you need to make changes or start a claim.
Flexible driver options
You aren’t limited to named and added drivers. Fleet policies offer the option for any authorised driver to use vehicles on the policy.
Cover a range of vehicles
You can often combine different types of vehicles, including cars, vans, and motorbikes, on a single policy.
Flexibility as your fleet grows
Additional vehicles can be added to the policy as they are added to the fleet or as their existing insurance expires.
Potential cost savings
Insuring your vehicles as a group may result in discounts from providers.
Types of mini fleet vehicle insurance coverage
Just like standard motor insurance, mini fleet protection is available in three main levels of cover.
Third party only (TPO)
This is the minimum level of cover required by law. It only protects against claims made by others for injury or damage caused by one of your fleet vehicles.
Third party, fire and theft (TPFT)
TPFT covers everything included in TPO. Plus, your vehicles are protected if they’re stolen or damaged by fire.
Comprehensive coverage
This is the highest level of cover. It protects against third-party claims, fire and theft, as well as damage to your vehicles. This usually offers the best long-term value, particularly for small business fleets.
Add-ons to consider
Every fleet is different, so choosing the right extras can help tailor your policy. Common additional coverage includes breakdown protection, legal costs, or European cover.
How much does mini fleet insurance cost in the UK?
To get an accurate idea of cost, it’s best to compare quotes tailored to your fleet’s specific needs. Get a mini fleet insurance quote online to find out what you could pay. Premiums will vary depending on factors like:
Number and type of vehicles
The vehicles’ average mileage
How the vehicles are used
Drivers’ ages and driving records
Your location
Where the vehicles are parked when not on the road
The coverage and excess you choose
How the provider asses your risk profile
How can I get cheap small fleet insurance?
There are several things you can do to help keep your premiums in check:
Pay the premium annually instead of monthly
Insure drivers over 25 with clean records
Increase your voluntary excess
Secure vehicles with trackers or park them in locked premises
Avoid unnecessary modifications
Choose only the coverage you really need
Opt for a telematics policy
Compare quotes before you commit to a policy or price
Mini Fleet Vehicle Insurance FAQs
What’s excluded from mini fleet insurance?
Can I insure other vehicles on mini fleet car insurance?
Can I use mini fleet insurance for personal vehicles?
Can any driver use vehicles on a mini fleet policy?
How many vehicles can I include on small fleet insurance?
Page last reviewed on 24th June 2025
What people have to say about us
Easy application and appropriate cover
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United Kingdom
Easy to use system, fast response offers good cover and competitive pricing
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United States
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