How does fleet insurance work?
Fleet insurance covers multiple vehicles under one policy and a single renewal date, with pricing usually based on the vehicles and overall risk rather than naming each driver.
The basics of a fleet policy
Instead of insuring each vehicle separately, a fleet policy brings them together on one schedule, so you manage everything in one place. In practice this means:
- All vehicles share a common renewal date
- Cover is rated on the fleet's overall risk and claims record
- You can often use an any driver basis for flexibility
- Vehicles can be added or removed mid-term as needs change
You choose a cover level, such as comprehensive or third party, and the insurer prices the whole book of vehicles together. This simplifies administration and can streamline claims. To set it up, gather your vehicle details, driver information and claims history, then compare fleet quotes from regulated brokers to find suitable cover.
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Can I add a vehicle partway through the year?
Yes. Fleet policies are designed to flex, so you can usually add or remove vehicles mid-term, with the premium adjusted accordingly.
What cover levels are available?
Most fleets offer comprehensive, third party fire and theft, or third party only, and some allow different levels for different vehicles.
What information do I need to get a quote?
Typically your vehicle registrations or types, driver ages and licence details, annual mileage, trade and full claims history for the fleet.