Fleet insurance

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Learn how to save money on your car insurance with our special guide...

What is fleet insurance?

For businesses with a lot of vehicles, fleet insurance is a way to insure them all under one policy. Fleet insurance can be used by any business with more than two vehicles, whether they are company cars, vans, minibuses, taxis, motorbikes, HGVs, LGVs or a mixture of them all.

There are several advantages to arranging a more fleet insurance policy for your business vehicles. First of all, having just one policy makes it easier to manage your cover across all your vehicles, keeping track of everything and having just one renewal date.

Fleet insurance policies also provide a lot more flexibility to businesses, as anyone you employ who meets the relevant criteria set out by your policy (valid UK driving licence, certain age, driving history, convictions etc…) can drive any vehicle any time.

Any driver fleet insurance means you don’t have to go through the hassle of ringing your insurance company or broker every time an employee needs to drive a vehicle.

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Fleet insurance levels of cover

As with all motor insurance policies, there are three main levels of cover with fleet insurance:

  • Third Party Only (TPO)
  • Third Party, Fire and Theft (TPFT)
  • Fully comprehensive

Third Party Only

The is the very minimum level of cover that you need in terms of your legal requirements to drive on UK roads.

A Third Party Only policy will cover any driver who is named on your fleet policy to drive any vehicle in relation to the business, and will protect against any third party damage or injury.

Third Party, Fire and Theft

As well as covering third party damage, this will also protect against any fire damage or the theft of a vehicle included on your policy.


The highest level of cover, comprehensive insurance covers all of the above as well as any accidental damage to your own vehicles.

Read more: What does ‘third party’ and ‘comprehensive’ car insurance actually mean?

Who needs fleet insurance?

The most popular forms of fleet insurance are fleet car and fleet van insurance policies. So any business that has more than two cars or vans would benefit from a dedicated motor fleet insurance policy.

This can include:

  • Builders
  • Plumbers
  • Electricians
  • Haulage company
  • Taxi company
  • Private hire company
  • Removal company
  • Couriers
  • Delivery company

If your business has three or more vehicles, then fleet insurance could offer a lot of benefits.

Assessing your fleet insurance needs

So that you can get the best deal for your business motor insurance, you first of all need to take the size of your fleet into account and think about how often the vehicles are in use.

These two areas are the biggest factors regarding the cost of fleet insurance, so knowing this information beforehand will help you better understand your fleet requirements and make sure you don’t pay for policy features your business doesn’t need.

It is critical that you consider what your vehicles are used for. For instance, if you operate a fleet of taxis then your fleet insurance needs to provide either public or private hire insurance. If your fleet of vehicles carries goods then you may need ‘carriage of own goods’ to cover tools. Specialist haulage insurance is required by businesses that offer hire and reward services over long distances, whereas more localised delivery businesses may require courier insurance.

Clearly defining what motor insurance needs your business has is the best way to make sure you get the best fleet insurance deal. Start comparing quotes now with Bobatoo and we will help you find the cheapest fleet insurance deals that are best suited to your specific business.

Different types of fleet insurance

Because every business is different and every fleet of vehicles has its own specific requirements, there are a lot of different forms of motor fleet insurance – which can make it confusing for business owners trying to arrange the best cover.

As well as fleet car insurance and fleet van insurance, you may see terms like:

  • Mini fleet insurance
  • Small fleet insurance
  • Family/home fleet insurance
  • Fleet insurance any driver
  • Fleet insurance any vehicle

The sheer variety of different policy options available mean that it is important to consult with an expert to make sure you are getting the cover you need.

How to get cheap fleet insurance

Although making sure you get the right level of cover for your fleet is important, the big deciding factor for most business owners is the price of their fleet insurance premium.

To get the cheapest fleet insurance possible, there are a few things you can do…

Install Vehicle Trackers

Fitting trackers on your fleet vehicles means they can be located if they are stolen, and can also be used to track how your drivers are driving.

Similarly to telematics or black box insurance, the way your drivers drive (within the speed limit, not accelerating or cornering too fast etc.) can help to reduce the cost of your fleet insurance.

Fit alarms and immobilisers

Obviously, the more secure your vehicles are the less of a risk they will seem to insurance companies. Making sure all vehicles are fitted with anti-theft locking devices, alarms and immobilisers means they are less likely to be stolen – which should lead to reduced premiums.

Fleet risk assessment

If you have a lot of vehicles to insure, then you will find that insurance companies can be quite accommodating in order to get your business. Some of them will even arrange their own risk assessment of your fleet before coming up with a price – meaning you get a bespoke policy suited to your needs.


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