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Commercial Van Fleet Insurance


Commercial van fleet insurance, or business van fleet insurance, require certain specifications in your policy for the protection of each one of your commercial vehicles. Quotezone.co.uk can assist your company in finding the cheapest and best quotes from both online and offline sources. We use our extensive database of UK brokers and insurance providers who can offer you cheap policy prices. The best thing to do when hunting for the right insurance cover is to compare multiple quotes from as many lenders as possible and compare the value of policies on offer unorder to get the most bang for your buck. By using comparison tools like Quotezone.co.uk you can be sure your getting the best picture possible of what’s available on the UK market.

When it comes to insurance, there’s nothing worse than taking out an insurance policy which turns out to be over priced. Buyers remorse is unfortunately all too common online, with many policyholders simply choosing the first policy they come across. With Quotezone.co.uk you can find commercial van fleet insurance policies that work for you in moments from a panel of top UK-based insurance providers.

Start saving time and money today on commercial van fleet insurance

What is commercial van fleet insurance?

Commercial van fleet insurance is designed to cover operators of multiple vans for the purpose of profit. Common operators of commercial van fleets include, florists, plumbers, builders and food delivery. A comprehensive fleet insurance policy for your vans will offer the following protection for all vehicles.

  • Third-Party Only (TPO) – This coverage will insure your van fleet for the minimum legal requirement to operate on UK roads. You will be covered for damages caused by your fleet vehicles to third parties, however you will not be covered for damages to your own vans in the event of an at-fault accident.
  • Third-Party, Fire & Theft (TPFT) – This coverage offers all the protection of a TPO policy with the added benefit of fire and theft coverage. This will insure your van fleet against the damages of fires and theft should they occur within an insurable event.
  • Fully Comprehensive – This will provide your fleet all the protection of TPFT along with the additional cover of protection against damages caused to your vehicles in an at-fault incident. Essentially this policy lets you claim on damage to your own vehicles in the event of an incident where you or one of your employees is at fault.

Many insurers will offer you a discount for each additional vehicle you add to your policy, this means you can save on your coverage as well as having the convenience of all your vehicles being covered under one policy.

Why should I choose fleet vehicle insurance for my vans?

Fleet insurance doesn’t just save you time, it can make admin less of a chore. Having all your vehicles on a single policy means you only have one insurer to deal with, one renewal date to remember and one premium to pay.

As the old saying goes ‘time is money’ and businesses are not fond of spending money wastefully. With a fleet insurance policy you can consolidate the vehicles of your fleet into one policy. This means your business admin team will not have to spend time on managing individual vehicle insurance policies for your fleet, each with their own renewal dates and premiums. If you have a large number of vehicles in your fleet it’s easy to see how this can quickly become a headache to track and you might well end up missing payments. Due to this many businesses operating fleets will opt for a fleet insurance policy due to the convenience they offer as opposed to insuring each vehicle individually.

Many might assume that fleet insurance premiums will be more expensive than insuring each fleet vehicle individually due to the convenience.  Surprisingly to many however, fleet policies can ultimately end up saving you money as most insurers will offer a discount for each additional vehicle you add to the fleet insurance policy.

Bear in mind though, even if you’ve only got a small fleet it’s still worth comparing separate quotes for each vehicle, just to be sure that two or three individual insurance policies don’t work out cheaper than a single fleet insurance policy.

What type of vans can be covered under van fleet insurance?

Although some highly modified vans may be exempt, see our guide for some surprising modifications which can impact your van insurance, most van types can be covered under a standard fleet insurance policy.

Typical types of vans covered by fleet insurance include:

  • Tippers
  • Light vans
  • Pick up vans

Most fleet insurance policies will require you to have at least 2 to 3 vans in your fleet in order to qualify for fleet insurance. This can differ however between insurers so remember to always check what fleets offer what policies and the requirements for those policies. 


What our experts say:

With a recession looming it’s more important than ever for logistics businesses to tighten their belts and shop around for the best deals. Fortunately that’s something we can help with – our price comparison site is designed to help these van and HGV drivers find better deals on their insurance. – Greg Wilson, Founder of Quotezone.co.uk


Can I find car insurance for HGV drivers?

Car insurance for HGV drivers is certainly an option. If your profession involves being a heavy goods driver then most insurers will classify you as a professional driver. This can then translate to cheaper premiums as you will typically be viewed as a reduced risk to insure due to your background. 

Can I have other vehicle types on my van fleet insurance? 

In short the answer is yes, many insurers understand that fleets often comprise of a mix of vehicles and so this usually will not result in any form of penalisation. however, depending on the mix of your vehicles you could end up paying more or less on your premiums depending on what vehicles are in your fleet. For example adding high value vehicles to your fleet can result in increased premiums to cover the greater repair/replacement costs. 

Common vehicles that are typically found in fleet insurance policies alongside vans include:

  • Cars
  • Motorbikes
  • Delivery scooters

Multi-vehicle fleet insurance is a common policy for insurers and many offer discounts for each additional vehicle added to your fleet. This means you can save on money as well as admin when you decide to take out a fleet insurance policy.

Is fleet insurance better than insuring each van separately?

Fleet or multi-van insurance can potentially save you many hours of admin, this is because all your vehicles will be under a single policy. It means you’ll have one renewal date and if you need to make a claim for more than one van you’ll only have one insurer to deal with. As you can probably imagine, insuring vehicles individually for larger fleets can quickly become a nightmare to track. Having all your policy payments and renewal dates under one policy can remove this issue.

A fleet insurance van policy could also save you money depending on the insurer, as many fleets will offer discounts for each additional vehicle you add to your policy.

What should I look for to get the best from my commercial van fleet insurance policy?

Most insurers will only offer discount policies to commercial van fleets where all the drivers have commercial licenses and are over the age of twenty-five. If you do have any commercial license holding drivers under twenty-five you may be able to negotiate their acceptance onto your policy under certain conditions. It will certainly bump up the cost, but if it is important to the growth and maintenance of your fleet, it may be worth looking into. You will be asked about any previous company claims on your fleet insurance with each previous providers. Any new drivers with a bad driving history may also bump up your costs. If your company’s over-all driving and claims history is less than perfect you can expect to have cost issues, against a clean and claim-free history.

How much does van fleet insurance cost?

Van fleet insurance will naturally vary in cost between fleets and between lenders. This is due to the multitude of factors which go into influencing your premiums. For example the number of vans and their respective values, the amount of coverage you opt for, any add-ons you may choose to your policy as well as the area in which your vans will operate.

Upon seeing these factors, it becomes clear that each fleets needs will generate different prices when it comes time to getting a quote. The best thing you can do to find cheap van fleet insurance for your fleets needs is to compare multiple quotes from different insurers. Some fleet insurance policies can differ by amounts as dramatic 1000%, so always compare quotes to ensure you’re getting the best coverage for your moneys worth.  

What type of add-ons can I include with my van fleet insurance policy?

You’ll be able to add on other types of insurance coverage to your van insurance policy to give your fleet the extra protection it needs, for example common add-ons include:

  • Breakdown cover – Not typically included as standard on fleet policies but can prove invaluable if one of your drivers needs roadside assistance.
  • Goods in transit insurance (GIT) – This covers any goods you’re transporting that meet your insurers criteria.
  • Carriage of own goods – This Insures tools or equipment you own while in transit. This sometimes falls under GIT insurance but isn’t always automatically included. If you need it, it’s vital to check that it’s part of your GIT policy before making a purchase.
  • Hire and reward – If you transport other people for money then you’ll need this type of insurance.
  • Employers’ liability – In the UK, you’ll need this by law if you have any employees. It pays the costs if a member of staff becomes ill or is injured because of work. If you employ staff without this type of insurance you could be fined £2,500 for every day you go without it. Employers liability insurance is usually set up when you start operating your business, however if your fleet is new you can have this added to your policy.
  • Public liability – This pays legal fees and compensation if a member of the public has an accident or has their property damaged and blames your business.
  • Personal effects cover – This covers any personal possessions that are stolen or damaged from your vehicle.
  • Legal expenses cover – This pays legal fees if you need to go to court.
  • Replacement locks – In case vehicle keys are lost or stolen, this will cover the cost of installing replacement locks.
  • Trailer cover – This covers you to tow trailers depending on what you have (like a horse box, boat trailer or a flatbed).

How can I find cheap van fleet insurance?

Finding cheap van fleet insurance is a major concern for many small businesses, and needless to say the cost of your policy is only likely to rise as your van fleet grows.

There are a few things small businesses (or large businesses, for that matter) can do to cut the cost of their fleet insurance.

  1. Insuring named drivers rather than opting for an ‘any driver’ policy – ‘Any driver’ fleet insurance policies offer a lot more flexibility, but they’re also riskier from an insurer’s point of view which means the premium will be higher.
  2. Only insuring drivers that are over the age of 25 – Younger drivers on a fleet insurance policy will almost certainly push the premium up. This is due to younger drivers being viewed as a greater risk as a result of less driving experience. Data from Brake, the road safety charity, has revealed that drivers under the age of 20 are 33% more likely to be killed in a car accident than someone in their 40s or 50s.
  3. Only insuring drivers that have clean driving records – It probably goes without saying that riskier drivers are likely to increase the cost of your fleet insurance.
  4. Paying for your fleet insurance annually rather than monthly – Monthly payment plans tend to incur interest and admin fees, which means you’ll pay more for your fleet insurance if you opt to pay month
  5. Employ experienced drivers that have a clean driving history – Insurers can raise premiums if they believe the employees operating your insured fleet vehicles are higher risk. This will be reflected in previous driving convictions and penalty points.
  6. Avoid modifications – Quotezone.co.uk has found that modifying your fleet vehicles can push up your premiums considerably.
  7. Avoid branding – Branding on your fleet vehicles can be classed as a modification by some insurers and may even void your insurance if not properly declared. Data from Quotezone.co.uk has revealed that vehicles with additional signage and branding can change a vehicles risk profile in the eyes of insurers. To find out more follow our article on how branding could void insurance.
  8. Don’t let your policy auto-renew – Although it may be convenient, our data shows there is virtually no additional benefit to letting your fleet insurance simply auto-renew. Even though a new law passed in January 2022 forces insurers to offer all eligible customers the same deals, we found that your chances of finding cheaper policies almost always increase when comparing multiple providers.
  9. Keep your vehicles in a secure location – This may seem obvious, but the more secure your fleet is when not in use the cheaper your premiums will be. Having the vehicles of your fleet behind closed fencing or even better with enclosed hangar installations can dramatically reduce instances of theft and break in.

This list is not exhaustive and lenders will naturally vary in price, however the factors which constitute risk are largely universal and so reducing these factors as much as possible is always advisable.

How can Quotezone save me money?

Quotezone.co.uk has a national database of brokers and providers who offer appropriate insurance for commercial van fleets. We look for companies who can assist you in saving money and offer suggestions to lower your costs by parking your vans safely when not in use, fitting alarm systems, avoiding claiming if it is not necessary, using named drivers rather than any driver policies and many other money-saving options.