Van Insurance
How much is van insurance?
Our latest 2025 updates show the average cost of van insurance in the UK is £575.05 following Q4 of 2024….
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Fleet cover allows you to insure multiple vehicles under one policy. This can be a lifesaver for businesses managing a team of commercial vehicles or company cars.
Standard business insurance won’t protect your company vehicles. So you’ll need additional protection to ensure your fleet is road-legal.
With a fleet policy, you’ll have one renewal date and one premium. This takes the work out of insuring multiple vehicles, and could even save you money when compared to taking out individual policies.
At Quotezone, we can help you search for cheap fleet insurance. We match you with customised quotes from our panel of 25+ trusted UK fleet insurance providers.
How does fleet insurance work?
1.When you take out fleet protection, you can specify the number and type of vehicles you want to insure. You can cover anything from motorbikes, cars or vans, right up to HGVs (heavy goods vehicles). Some brokers will even specialise in taxi fleets, farm fleets, or rental car fleets.
2. These policies are designed to be much more flexible than standard auto insurance. They give you more freedom when deciding who can drive the vehicles on your fleet policy.
3. You can cover one insured driver, add multiple named drivers, or choose any driver cover. This flexibility simplifies daily transport within your business, so you can focus on your work.
Benefits of fleet insurance for businesses
A key advantage of business fleet insurance is that providers will work with you to tailor your policy to meet your needs and budget. Other advantages include:
Cost savings
You could pay less overall when compared with taking out individual insurance policies. For example, you might be shopping for company car insurance. You could save here by bundling their cover into one company car fleet insurance policy.
Easier policy management
No one needs the headache of comparing and renewing multiple insurance policies throughout the year. With a single renewal date, it will be easier to manage and shop around for.
Extensive coverage options
You can tailor your policy to the exact needs of your business, so you pay for exactly what you need. Insurers can cover a range of vehicles and offer extras to cover issues like legal disputes and vehicle recovery.
Driver flexibility
With fleet cover, you have the option of getting any driver coverage. This means you can insure multiple qualifying drivers for multiple vehicles. This can give flexibility to your business operations. It could also avoid situations where employees are tempted to drive uninsured.
Simplified claims process
Each insurer will have a slightly different claims process. And some take longer than others. With one insurance provider, you’ll know exactly what is covered and who you will be speaking to when things go wrong.
Insure multiple drivers
If you employ multiple drivers, you could cover them all under one policy. This means you wouldn’t need to individually insure each driver, or add additional drivers each time you hire.
What vehicle can I cover under motor fleet insurance?
The options vary slightly from insurer to insurer. However, most will offer at least multi car and van insurance. When you compare at Quotezone, we will only match you with providers who can meet your needs, so you don’t waste time.
Cars
Vans
Motorbikes
Pick-ups
Taxis and private hire vehicles
Lorries and trucks
Minibuses
Other vehicles
What does fleet insurance cover?
Coverage
You will have the option of third party only, third party, theft and fire, or comprehensive fleet coverage. Third party is the minimum legal requirement for operating any motor vehicle on UK public roads.
Depending on how you use your vehicles, you could also need business use cover, hire and reward insurance, or taxi insurance.
Speaking to an insurer directly before you buy can help clarify the right cover for your needs.
Extras
Commercial fleet insurance can come with a wide range of extras. Some of these are also available within business insurance policies. For example, public or employers’ liability insurance. Other common add-ons include:
- Cover for driving in Europe
- Motor legal protection
- Road rescue and vehicle recovery after an accident
- Your own tools or equipment
- Breakdown cover
- Goods in transit insurance
Exclusions
These are specific to the insurer and your policy terms, but common exclusions are:
- Wear and tear of your fleet vehicles
- Theft of unattended vehicles
- Mechanical or electrical failures
- Drivers not protected under the policy
It’s also worth knowing that, unlike standard policies, you cannot build a no claims discount on fleet policies.
Who can drive vehicles under a fleet insurance policy?
You will have a few options for what drivers you want to insure on your fleet policy. Consider this carefully as the drivers you include will impact your premium.
Named drivers vs any driver policies
If you need to cover more than one driver, you can add named drivers to your fleet policy. This covers these specific people under the policy. However, if you choose an any driver policy, it means that any qualified and legally licensed driver can use the vehicle. They just need permission from your company.
Age restrictions and experience requirements
Fleet insurers typically have an age limit for the drivers they will insure. They usually exclude any driver under the age of 21, however the exact age varies depending on the insurer. Always check this detail if you are searching for fleet insurance for young drivers.
Adding drivers to the policy
Some fleet insurers could allow you to add drivers or even upgrade to any driver cover during the course of your policy. They understand that businesses and employees are constantly changing. And many choose to make allowances for this.
How many vehicles do I need for fleet insurance?
Insurers will set their own number for how many vehicles qualify for fleet insurance. Some will cover as few as 2 vehicles, while others will require at least 5. When you compare quotes with Quotezone, we save you time by only matching you to providers who can insure your fleet.
How much is fleet insurance?
The cost of these policies varies widely based on a range of factors. Mainly, the size of your fleet. Getting quotes for insuring your fleet is easy when you compare with us. With one form we match you to trusted UK fleet insurers who will provide personalised quotes.
What factors affect premiums?
Vehicle types and usage
More vehicles, and higher value vehicles, will naturally cost more to insure. Covering additional uses, like hire and reward, can also push prices up.
Driver history and experience
The number of drivers you insure, as well as their age and experience, will all factor into how much it costs to insure them.
Claims history and risk level
The nature of your business can reflect the risks that your drivers and vehicles will be exposed to. Past claims also reflect a potentially higher risk.
Security measures and tracking devices
Keeping vehicles safe overnight can lower your risk. As can installing features like dashcams, immobilisers or GPS tracking.
How can I get cheaper fleet insurance?
Choose telematics fleet insurance
More fleet insurers are offering telematics options that could help lower costs. Telematics devices record the drivers’ acceleration, braking, and other habits, to assess their risk on the road.
Implementing driver training programmes
Start by ensuring experienced drivers where possible. Then you can increase your drivers’ skills and safety on the road with additional driving qualifications and training.
Increasing security and safety measures
Keeping vehicles safe overnight can lower your risk. As can installing features like dashcams, immobilisers or GPS tracking.
Choosing a higher voluntary excess
Opting for a higher excess on your fleet policy can take some risk back off the insurers. Just be sure that you are comfortable covering the excess you choose.
Compare fleet insurance quotes
Each insurer sets costs based on its own criteria and risk assessment. So comparing quotes from multiple fleet insurance providers could be key to finding a cheaper policy.
Frequently asked questions
Is fleet insurance cheaper than individual policies?
What vehicles can I cover with fleet insurance?
Who needs fleet insurance in the UK?
Is fleet insurance just for businesses?
Can any employee drive a vehicle under fleet insurance?
Does fleet insurance cover personal use?
What is mini fleet insurance?
Can I add another vehicle to my fleet insurance later?
Page last reviewed on 13th June 2025
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United States
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