Two vehicles or two thousand, one policy. Cars, vans, HGVs and mixed fleets covered under a single renewal date and one named broker.
Three steps. Your fleet gets reviewed by a named broker who knows the market that fits it, with the same person on the file at quote, renewal and claim.
Vehicle count and mix, driver pool, use case and claims history. Two minutes online or a call with a broker, your choice.
Your named broker takes the schedule to specialist fleet insurance brokers and underwriters we already work with.
Documents emailed, payment arranged by your broker. Mid-term changes, telematics integrations and renewals handled in one place.
A motor fleet policy replaces individual commercial vehicle policies with a single schedule. Adjustments mid-year happen in one place rather than across multiple insurers.
Cars, vans, HGVs, plant, trailers and specialist vehicles listed together. The premium reflects the whole fleet and the operator’s claims history.
e.g. A logistics operator with 6 vans, 2 HGVs and 4 company cars on one renewal.
Add a vehicle, remove one, swap reg plates or change drivers without cancelling and re-issuing separate policies for each vehicle.
e.g. A courier removes one van and adds two replacements on the same day.
Any-driver, named-driver, or a hybrid arrangement (named drivers for HGVs, any-driver for vans), chosen to fit how the fleet actually runs.
e.g. A self-drive hire firm needs any-driver cover with an age floor of 25.
The trades and operators we most commonly place commercial fleet insurance for. Each gets a tailored conversation rather than a one-size policy.
Hauliers and logistics
Multi-vehicle hauliers and own-account distribution operators.
Tailored coverCouriers and last-mile
Multi-van courier networks and same-day delivery operators.
Tailored coverMotor traders with fleet
Dealers and trade operators running multiple vehicles alongside trade activity.
Tailored coverTradespeople with multiple vans
Electrical, plumbing, building contractors with vans across crews.
Taxi and private hire
Multi-car taxi operators and private hire firms.
Tailored coverSelf-drive hire firms
Vehicle rental operators with mixed fleets.
Corporate fleets
Company car fleets, executive fleets and pool vehicle operators.
Mixed commercial fleets
Operators with cars, vans and HGVs all under one policy.
Whether you run two vans on a sole-trader basis or a 200-vehicle commercial fleet, the policy structure adapts to fit. Single renewal date, named broker, and mid-term changes handled without the cancel-and-re-issue churn of separate policies.
The most common decision on a UK motor fleet policy. Each structure prices differently and suits a different operating profile, and most specialist fleet insurance brokers will quote against more than one so you can see the gap.
Anyone meeting the policy eligibility (typically a minimum age and a clean licence rule) can drive any vehicle on the schedule. Suits operators with rotating drivers, self-drive hire firms and businesses where flexibility matters more than the lowest premium.
Prices higher because the underwriter rates to the breadth of the driver pool.
Only listed drivers are covered, with each named individual rated on their age, licence history and claims experience. Suits stable teams with low driver turnover where every driver is known to the operator.
Prices lower because the underwriter knows exactly who is at the wheel.
A mix of the two on one policy. Named drivers on the HGVs, where qualification matters most, and any-driver cover on the vans, where flexibility helps the day-to-day. Most specialist fleet insurers will quote this without extra paperwork.
Useful when different parts of the fleet have different driver patterns.
Your named broker will price each option so you can see the gap rather than guess at it, then advise on which structure fits how the fleet actually runs.
A motor fleet insurance policy is built to adapt during the year. Vehicles come on and off, drivers join and leave, contracts shift the use case. Each change happens in one place on the schedule rather than across separate insurers.
New van picked up at auction, used van handed back. Reg plates and details updated on the schedule, premium adjusted pro-rata to the remaining policy period.
Adding a new driver, removing one who has left, or upgrading a named driver to any-driver cover. Underwriter review where needed for HGV drivers and motoring convictions, straightforward where not.
Switching a vehicle from own-goods to hire and reward, adding goods-in-transit cover, or extending to a new territory. Re-rated on the existing schedule rather than cancelled and re-issued.
One renewal date for the whole fleet. Your broker re-approaches the market 30 to 60 days out, presents the options and confirms the schedule before existing cover expires.
All changes go through the same named broker who knows your fleet, with the same continuity at renewal that you get during the year.
The four most common vehicle classes on a UK motor fleet, each with their own underwriting profile and specialist markets. Pick the one closest to your fleet to read the detail.
More specialised
Beyond the main four, we also place specialist fleet structures for sub-categories with their own underwriting needs: courier fleet insurance, family fleet insurance and small fleet insurance, each placed with markets that fit the specific use case.
Fleet insurance premium reflects the combined exposure of the schedule. Six factors carry most of the weight, and the route to cheaper fleet insurance is usually working those factors rather than shopping around at renewal. Your broker’s job is to find the insurer who weights them in your favour.
Number of vehicles on the schedule, plus the split between cars, vans, HGVs and specialist plant. Vehicle value and replacement cost feed in too.
Total drivers, age band, licence experience, motoring convictions, and the any-driver vs named-driver structure on the schedule.
Own-goods vs hire and reward, hours operated, miles driven, UK-only vs European. Hire and reward consistently prices higher than own-account.
Three to five years of fleet claims data, with frequency and severity considered separately. A clean record is the single largest premium lever year on year.
Overnight storage (secure yard vs street parking), tracker fitment, telematics or dashcam fitment. Documented security earns credit at most fleet insurers.
Voluntary excess carried by the operator reduces the insurer’s exposure and the premium with it. Effective on stable, well-managed fleets.
Fleet premium reflects exposure, but a handful of choices on your side meaningfully change what you pay.
Fit telematics or dashcams
Verified telematics or dashcams typically earn premium credit at most fleet specialist insurers. Connected fleets price below comparable disconnected ones at renewal.
Tighten the driver pool
A named-driver policy with a clean defined pool prices below an any-driver policy. Useful when drivers are stable and turnover is low.
Run a voluntary excess
Carrying the first slice of any claim yourself reduces the insurer’s exposure and the premium with it. Effective on stable, well-managed fleets.
Combine related covers
Fleet plus goods in transit plus public liability arranged together usually prices below buying each cover standalone.
A standard fleet policy covers the vehicles and drivers. The list below shows what most insurers will add on, and what falls outside the cover by default.
Goods in transit cover
For the cargo carried by the fleet, packaged onto the same renewal.
Breakdown and recovery
Roadside, recovery and onward-travel cover across all vehicles.
Public and employers’ liability
Bolted onto a combined commercial fleet policy alongside the motor element.
Telematics integration
Connection to your fleet management platform for usage-based pricing.
Foreign use cover
European Green Card and CMR liability for cross-border operators.
Drivers not declared
Anyone driving a fleet vehicle must be eligible under the schedule. Undisclosed drivers void cover.
Goods in transit (without bolt-on)
Cargo damage is covered by GIT, not by the motor element of fleet.
Use outside the declared activity
A fleet rated for own-goods cannot be used for hire and reward without re-rating.
Wear and tear / mechanical failure
Breakdown is a separate cover. Fleet motor responds to accidents, not failures.
Deliberate or criminal acts
Loss caused intentionally or through criminal conduct is excluded across the market.
Tell us about the fleet, size, mix, drivers, use case, for a fleet insurance quote. Specialist fleet insurance brokers, with markets for two-van trades fleets through to multi-site commercial operations.
The questions we hear most often, with straight answers. Anything else, call the office.
Most insurers consider a fleet from two vehicles, though some specialist markets will write from three or five. Below the threshold the alternative is individual commercial vehicle policies for each vehicle. We approach the markets that fit the size of fleet you actually run.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits your fleet, not a panel of one.
● Cover that often sits alongside this
Ready when you are
Two minutes to tell us about the fleet. Terms back from a specialist fleet panel. Your named broker on the file from day one.
