Family Fleet Insurance
Car Insurance for Families
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Compare Fleet Car Insurance for your Family
What is family fleet insurance?
It is a type of fleet cover designed specifically for families with two or more vehicles. Instead of taking out single policies for each vehicle, you’ll only need one. It’s a convenient way to insure your family’s cars. This option can mean less admin and potentially cheaper insurance costs.
The benefits of family fleet car insurance
One policy, one renewal date
All vehicles are insured together, so it’s much easier to keep track of paperwork and renewal dates.
Multi-vehicle discounts
Bundling your vehicles into one policy often means you get a discounted rate. This can be more cost-effective than insuring each vehicle separately.
Named drivers or “any-driver” options
Get more flexibility regarding drivers. You can have specific named drivers or any-driver coverage. Named driver policies are more restrictive, but typically cost less. Any-driver policies offer more flexibility but can come with a higher premium. Some policies also cover family members who are away at university.
Flexible cover
This policy lets you easily add or remove vehicles as your needs change. However, keep in mind that making these adjustments may lead to changes in your premium or cancellation fees.
What type of car insurance do I need for a family fleet?
Any cars driven on public roads must legally have third-party insurance. This means your family fleet must have a minimum of third-party-only cover. However, this only pays for third-party liabilities, and not your own. For more extensive coverage, you could opt for third-party, fire and theft, or comprehensive cover for your family fleet.
What information do I need to get a family fleet quote?
Details of all vehicles
List each vehicle you’d like covered and include the make, model, registration number, year of manufacture and current value. You’ll also need to specify what each vehicle will be used for and where it will be stored.
Driver information
Provide details of each family member who will be driving the vehicles. Include their full name, date of birth, occupation, driving licence number, and driving history. Some policies allow named drivers to earn and protect their no-claims bonus. This information must also be provided.2
Level of coverage required
Choose the level of coverage you want and, if needed, specify any additional add-ons.
What does family fleet insurance cover?
Cover and limitations are unique to each individual family policy, so always check your coverage details. Typical inclusions and exclusions under these policies are:5
What’s covered?
That depends on the level of cover you’ve chosen. A comprehensive policy typically covers you for the following:
- Accidental damage
- Fire damage
- Theft
- Weather events
- Windscreen and glass damage
- Third-party liabilities
What’s not covered?
On a standard family fleet comprehensive policy, the following will likely be excluded:
- Unauthorised drivers
- Unauthorised use
- Wear and tear
- Mechanical or electrical breakdown
- Illegal use
- Theft by negligence
Additional coverage options
Even with comprehensive cover, there may be gaps you’d like to fill.
European travel
If your policy only includes the UK, you could also add cover for European destinations. Some may offer third-party only coverage for European destinations as standard, so check your policy details first.
Personal belongings
This protects things like electronics, clothing and sports equipment against theft or damage while in the vehicle. There will be limits to the cover and high-value items may be excluded. It’s important to specify your needs upfront.
No-claims bonus protection (NCB)
This allows you to make one or two claims in a year without losing your no-claims discount. Insurers will differ on the specific terms, so do shop around if this is important to you.
Roadside assistance
This enhances your protection and may include breakdown recovery, towing, battery jump-starts, flat tyre changes, fuel delivery, lockout assistance and emergency repairs.
Legal protection
Legal actions related to motoring incidents involving your vehicles can be very costly. This add-on offers the peace of mind that you’ll be financially protected if you need to take legal action.
Higher liability limits
In case of third-party bodily injury or property damage.
How can I get the cheapest family fleet insurance quote?
Finding cheap family fleet insurance in the UK can be challenging since car insurance costs have spiked in recent years. However, there are several ways to find insurance that make it possible to find cheaper online quotes.
- Increase vehicle security
- Pay annually
- Increase your excess
- Choose cars in lower insurance groups
- Avoid points and convictions on your license
- Maintain a good claims history
- Insure low-risk drivers
- Be conservative when choosing coverage
- Compare multiple quotes
Family Fleet Cover FAQs
How many vehicles can you cover on a family fleet policy?
Who can be included on a family fleet policy?
Can I cover business vehicles on a family fleet policy?
What’s the cheapest type of family fleet insurance?
Can I get a family fleet insurance quote online?
Page last reviewed on 17th July 2025
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United Kingdom
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United States
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