Car Fleet Rental Insurance
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What is fleet insurance for a car rental company?
This specialised, single policy option covers multiple cars operated under a self drive hire company’s fleet. It removes the need for separate policies for each car, typically resulting in lower costs. Depending on the level of coverage you choose, your fleet can be covered for things like accidents, vandalism, fire and theft. It also typically covers damage caused by third parties or those renting the vehicles. It’s a simple insurance solution for businesses managing a fleet of vehicles.
Types of rental car fleet insurance
Rental car, or self drive hire insurance, is usually available in three main coverage levels.
Comprehensive cover
Comprehensive fleet insurance covers damage to your vehicles, regardless of whose fault it is. Risks like theft, fire, vandalism or other types of third-party damage are typically covered. This level offers the most extensive coverage of all the options.
Third party, fire and theft
This level of coverage takes care of risks involving fire or theft to your vehicles. Damages caused to third parties are also included. However, accidental damage will not typically be covered. With third party, fire and theft, you should consider the potential risks involved in maintaining a fleet of vehicles without full coverage.
Third party only
Third-party only coverage protects you from any third-party damage you are liable for. This is the minimum legal requirement for driving on public roads in the UK. It may be a good option if you’re on a budget, but the risks are significantly higher as you won’t be covered for accidents you cause, theft, vandalism or fire-related damage.
How much does self drive hire insurance cost in the UK?
The cost of self drive insurance for a fleet depends on many factors that differ for each fleet. You’ll typically be charged a certain amount per year for each vehicle. The more vehicles you have and the higher their value, the higher your premium is likely to be. Other variables that can affect the cost are:
- The mileage and usage of each vehicle
- Your business’s claims history
- Who can rent your cars
- The security features of your vehicles
- Where the fleet is kept when it is not rented
- How you choose to pay your premium
- The insurer and coverage you choose
What is included and excluded from commercial fleet insurance for rental cars?
That will depend on the level of cover you’ve chosen and any additional add-ons you’ve opted for. Each policy will be different as your risk profile is considered, so it’s important to read through your documents carefully to understand the limits of your coverage.
Coverage typically included with comprehensive fleet insurance for car rental company includes:
- Personal accidents
- Limited medical expenses
- Personal belongings (excluding jewellery and cash)
- Windscreen and glass repair
- Legal costs
- Roadside assistance
- Authorised driver flexibility
Coverage typically excluded from comprehensive car fleet insurance includes
- Wear and tear
- Mechanical or electrical failure
- Unapproved use
- Unauthorised drivers
- Negligence
How can I find the cheapest fleet insurance for my car rental business?
Compare multiple quotes
Comparing quotes increases your odds of finding competitive quotes.
Increase the security features on your fleet
This lowers your perceived risk to the insurers, possibly leading to discounts.
Remove unnecessary add-ons that can stack costs
Only pay for the cover you need.
Review and adjust your policy regularly
You could take advantage of new discounts or bundling opportunities that may not have been previously available.
Pay annually instead of monthly
Monthly payments usually cost more than annual payments to account for increased insurer administration costs and risks. Annual payments are typically cheaper.
Keep a clean claims history
An incident-free history lowers your risk profile, which could lead to a discounted rate when you renew your policy.
What information do I need to get a quote?
Information about your fleet
The number of vehicles, type, value, age, and annual mileage.
Drivers’ details
This includes names, ages, licence details, driving and claims histories.
Your business information
The nature of your business, vehicle usage, and compliance confirmation. Insurers will also want to know your insurance history.
Level of coverage needed
Your options are comprehensive, third party, fire and theft, or third party only. If you want extra cover, you can choose from any available add-ons. You’ll also need to decide what your preferred excess amount will be.
Self drive hire insurance FAQs
Does fleet insurance cover rental cars?
What insurance do you need for a car rental business?
Is fleet insurance worth it?
Can I add or remove vehicles during my policy term?
How quickly can I get cover?
Can I get pay as you go self drive hire insurance?
Page last reviewed on 17th July 2025
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