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Fleet car insurance

If your business owns several company cars it might be good idea to insure all of those vehicles under a single fleet car insurance policy. It’s vital that you compare quotes from a wide range of providers when you’re taking out fleet insurance, though…and that’s where we come in.

Fleet car insurance

Quotezone.co.uk’s fleet insurance comparison service can help small businesses find a more competitive quote for their fleet car insurance by comparing prices from a wider range of insurance providers.

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What is car fleet insurance?

It’s an insurance policy for businesses (or families) that need to insure more than one car and would like to insure them all under a single policy.

How many vehicles can I have on a car insurance fleet policy?

Insurers set their own rules about what exactly counts as a fleet. Most of them are flexible when it comes to the maximum number of cars you can insure, so in theory you could have thousands of cars on one policy.

Minimums, on the other hand, are typically set at three or four cars, although some insurers will let you insure just two cars under a fleet policy.

If you’ve got a small fleet (for example, less than 15 vehicles) a small fleet insurance policy might meet your needs.

Why should I choose a car fleet insurance policy instead of insuring each vehicle separately?

If you only have two cars you might decide to insure each vehicle separately, but if your business owns more cars than this a fleet insurance policy can make the insurance process easier to manage, since you’ll have one single renewal date and one insurance provider to deal with.

Fleet insurance can also prove to be more cost effective than insuring each car individually.

What vehicles can I insure on my fleet car insurance?

In most cases insurers will let you cover different types of vehicles on one policy, not just cars.

So, if you’ve got a combination of cars, pick-ups, motorcycles or even buses, then the good news is that you should be able arrange protection under one multi-vehicle fleet policy.

However, it’s worth noting that most fleet insurance policies will exclude some types of vehicles, such as HGVs, tractors or low-loaders.

Can private individuals take out fleet car insurance?

Yes – if you’ve got more than one car in your family you can take out family fleet insurance, also known as multi-car cover.

Like business fleet insurance, most multi-car policies will let you insure a range of vehicles under one plan and not just cars.

Does business fleet insurance cover private use as well?

Commercial fleet insurance policies often won’t cover you for private use as standard, but you may be able to add this to your policy as an optional extra.

What does fleet car insurance cover?

That will depend on the level of cover you opt for. As with standard car insurance, you’ll have three levels of cover to choose from when you’re taking out fleet car insurance:


  • Third party only (TPO) – pays to repair other people’s property or compensates them for injury (the ‘third party’). TPO cover will also pay out for damage or injury to any passengers travelling in your fleet vehicle. This is the minimum level of cover you must have by law.
  • Third party, fire and theft (TPFT) – you get everything TPO offers plus compensation if your vehicles are stolen or damaged by fire.
  • Comprehensive – In addition to the cover you receive with TPFT, comprehensive cover should pay for any damage done to your own vehicles, and may also include windscreen cover, some compensation for possessions and even medical costs.
What about optional extras?

You’ll be able to add other types of insurance to your policy to reflect the types of risks your business faces, such as:


  • Breakdown cover – can help to make sure cars in your fleet can get back on the road quickly with roadside recovery.
  • Goods in transit (GIT) – covers goods while you’re out and about.
  • Carriage of own goods – insures any tools or equipment you or your staff keep in vehicles. This often comes under GIT but not all insurers include it automatically. If you need it, make sure you double check that it’s part of your policy.
  • Hire and reward – insures you for transporting goods or people.

As well as making sure your fleet’s motoring needs are looked after, it’s a good idea to think about other types of business insurance, especially:


  • Employers’ liability – pays out if a member of staff is hurt or becomes ill because of work. If you employ anyone (even part-time or casual staff) then you’ll need this by law.
  • Public liability – covers legal fees and compensation if a member of the public is hurt or has property damaged and blames your business.
How much money could fleet insurance save me?

Fleet insurance can often save you money compared to buying separate policies but it’s always worth comparing just to be sure.

Fleet insurance

The exact amount you could actually save depends on a wide range of factors, though, such as:


  • The number and types of vehicles in your fleet.
  • Whether you have named drivers or choose an ‘any driver’ policy.
  • The level of cover you choose.
  • What extras you decide to add on.
How can I lower the cost of car fleet insurance quotes?

Whether own a small fleet of company cars or manage dozens of cars and vans, it’s crucial to choose a policy that meets your business needs. A cheap policy might tick the box when it comes to cost, but it might not give you the level of protection you actually need.

That said, you can help to cut the cost of fleet cover by:


  • Paying for your policy upfront – you’re likely to be charged admin and interest fees if you pay monthly.
  • Opting to insure named drivers rather than taking out an ‘any driver’ policy.
  • Making sure named drivers are over 25 – insuring anyone younger could mean you pay more.
  • Increasing your voluntary excess – but make sure it’s affordable because you’ll need to pay it for a claim to go ahead.
  • Building up your no claims discount.