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Whether you’re a small business with a growing fleet of vehicles, or a family that owns multiple cars, motorbikes and campervans, a fleet insurance policy could prove to be a lot more cost effective than insuring each vehicle individually. And the more cars you own, the cheaper this type of policy could become on a per-vehicle basis. If you have 2 to 3 vehicles in your fleet, you will meet the requirements of most insurers for fleet insurance.

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What is multi-vehicle fleet insurance?

It’s insurance for SMEs or households that need to insure more than one vehicle. Many people think that fleet insurance is designed to only cover multiple vehicles of the same type, the vehicles you insure don’t have to be of the same type however. For example, if you’ve got a couple of cars, a campervan, a motorbike and a horsebox these could all be covered under one multi-vehicle fleet policy.

What’s the benefit of taking out multi-vehicle fleet insurance?

Multi-car fleet insurance policies have the potential to save you both time and money.

Having all your vehicles covered under a single policy means you only have one set of paperwork to deal with, one renewal date and one premium. All of this can save you hours and can help avoid forgetting to renew your insurance.

Insurers often offer discounts for each additional vehicle you add to your policy too. The more vehicles you add the bigger the discount, so you could make some significant savings if your household owns a lot of cars or motorcycles.

On the other hand, if your family fleet is relatively small, you should still compare separate quotes for each car. If you’ve only got two or three vehicles you might not save anything with a fleet policy, especially if one of the drivers has built up a large no claims discount.

How many vehicles does multi-vehicle insurance cover?

Insurers set their own rules about how many vehicles you can put on this type of fleet insurance policy, but this will always be made clear before you sign up.

Some ‘mini-fleet’ policies may limit you to between 2-5 vehicles, while others will let you insure more.

Do family members need to live at the same address to be added to the same multi-vehicle fleet insurance policy?

Yes, when private individuals are taking out a multi-vehicle fleet insurance policy each person named as a vehicle owner on the policy will usually need to be part of the same household.

However, some providers are willing to insure vehicles owned by a family member that is temporarily resident at a different address, such as a child at university, so it’s always worth checking with the insurance provider.

What levels of cover are available for multi-vehicle fleet insurance?

Just like other common types of insurance policies, there are three main levels to choose from when you’re taking out a fleet insurance policy:

  • Third party only (TPO) – covers the cost of damage done to other vehicles, other people and their property. TPO doesn’t pay to fix or replace your own vehicle or belongings. This is the minimum you must have by law and is therefore sometimes the cheapest option.
  • Third party, fire and theft (TPFT) – includes TPO and will also pay to repair or replace your vehicle if it’s damaged by fire or is stolen.
  • Comprehensive – includes TPFT and also covers any damage to your own vehicles and property, even if an accident is your own fault. This is typically the most expensive level of cover you can buy.

Which level of coverage you decide to opt for depends on your budget and your fleet requirements. The best way to ensure you are getting the most value for your money is to compare multiple quotes from different insurers.

How much does multi-vehicle fleet insurance cost?

This is a common question for many potential policy holders and understandably so. In short the exact cost of your fleet insurance is unique to you and your business. The more vehicles you have in your fleet the more you can expect to pay, as insuring all these vehicles will naturally be a greater risk.

Does a multi-vehicle fleet policy cost more than a same type fleet insurance policy?

The type of vehicles you are wishing to insure will naturally impact the pricing of your premiums. For example a truck is a more expensive vehicle than a motorbike, so damages to a truck will cost your insurer more to cover should you be involved in an accident. As you probably won’t be surprised to hear, this means your premiums will be directly impacted by the type of vehicles you’re insuring and not just their numbers.

Another important influence on the price of your fleet insurance is the nature of your business operations. Some industries are considered more high risk than others and so your premiums will be adjusted to reflect this. The driving history of each driver in your fleet will also be assessed, so hiring those with clean driving records is also recommended. Remember to check all relevant documents of potential drivers as well as assessing their driving were possible so you can rest assured your employees will not risk your business making a claim. Claims on a fleet insurance policy will lead to an increase in your premiums so minimising your risk factors is paramount.

Due to these unique factors, any average fleet insurance cost can be unrepresentative of what you may pay for your fleet insurance, as the average will most likely not reflect your unique risk profile. The best way of getting an exact cost for how much you can expect to pay on your fleet insurance policy is by comparing multiple quotes from different providers. This will give you a strong indication of the range of prices at which you will be able to secure the cover you need.

How can I lower the cost of multi-vehicle fleet insurance?

Multi-vehicle fleet insurance has the potential to provide your business or your household with some big cost savings, but you can help lower the cost even more by following these practical steps:

  • Paying for your policy annually in order to avoid admin fees and interest charges.
  • Increasing your voluntary excess to reduce your overall premium. If you do increase it, make sure it’s still affordable because you’ll need to pay it for a claim to go ahead.
  • Keeping your vehicles as secure as possible. A locked garage is the ideal option, but if that’s not possible it might be worth investing in an immobiliser.
  • Having named drivers for vehicles rather than an ‘any driver, any vehicle’ policy. Younger drivers also cost more to insure so think twice before naming them on policies for powerful or very expensive cars.
  • Encouraging safer driving. Younger drivers could benefit from advanced driving courses and black box (telematics) policies.

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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


What add-ons can I put on multi-vehicle fleet insurance?

You’ll be able to add on other types of insurance coverage to your 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).
 What vehicles can I cover on a multi-vehicle fleet insurance policy?

In most cases, you’ll be able to insure a diverse range of different vehicles under your fleet insurance policy. For example, cars, vans and motorbikes can all be covered under a single policy. The obvious benefits of such a policy are that you can cover varying vehicle types from your fleet under one insurance plan for convenience.

Some notable exclusions however can include vehicles in your fleet which are highly modified. Some modifications are still insured by most insurers however but you’ll almost certainly see a rise in your premiums.

If you’ve only got one type of vehicle you can also find specific policies to cover your needs – for instance motorbike fleet or van fleet insurance.

What should I think about when I compare multi-vehicle fleet insurance?

The policy you choose for your multi vehicle fleet should tick all the boxes when it comes to essentials (for instance employers’ liability or goods in transit).

You’ll need to weigh up cost vs convenience too. For instance, ‘any driver, any vehicle’ means any employee (assuming they meet the conditions in your policy, of course) can drive any vehicle you have covered by your fleet policy. These policies give you a lot of flexibility by helping avoid juggling cars and drivers, but they’re also likely to be much pricier.

You can also find policies that let you add or remove vehicles as and when you need to, which can prove invaluable if you’re a growing business.

Can Quotezone.co.uk help me get cheaper fleet insurance?

At Quotezone.co.uk, we are insurance comparison experts. We help motorists find cheaper insurance by connecting them to quotes from a large panel of UK based specialist providers. This increases your chances of finding the cheapest fleet insurance policies, as you will have a greater selection of fleet insurance quotes to compare simply by filling in one quick form. By filling in a quick form with your fleet details we can offer you quotes from top UK based insurance providers so you can start comparing in moments.