At QuoteSearcher, we have a lot of experience in dealing with businesses that use motor fleets, and indeed the brokers that offer such policies. We know that maintaining a fleet is integral to the effective running of your business, which is why we aim to take as much of the legwork from you as possible.
We ask for a few bits of information which we then take directly to our wide-ranging panel of brokers. They will get in touch with you as quickly as possible to provide you with a competitive quote.
Motor Fleet Insurance Policy Features
Designed for companies that operate long distance transport and delivery services
For vehicles operating within a smaller geography performing multiple deliveries on a daily basis. Find out more about Courier Insurance.
Carriage of own goods
Covers goods or equipment needed by the employee to carry out their job, stored in their vehicle
Covers legal bills in case a third party launches a compensation claim against your business. Find out more about Legal Expenses Insurance.
Replacement of locks insurance
Reduce the hassle of keys being lost, stolen or damaged, and replacing locks on vehicles
Protect goods which need to be transported separately by trailer, such as plant or heavy machinery
Provides cover for your vehicles travelling on the continent, in terms of roadside assistance and accident cover. Learn more about EU Cover.
Common Policy Exclusions
Theft of a vehicle left unattended
Theft by deception
No claims discount
For large fleets, maintaining a zero claims record is challenging, especially when you factor in all the different drivers and vehicles. Instead, insurers may offer a ‘claims cost’, where they add up the cost of your claims over a fixed period (e.g. one year). The lower your claims are, the greater the discount applied to your premium.
Reducing Your Premium
Driver age – Insuring younger drivers is more expensive, so if you are able to keep your fleet drivers age 30 and above this will have a significant positive impact on your policy price.
Advanced driving courses – better driving skill reduces risk of an accident
Company Handbook – established safe driving policies incentivise drivers to act responsibly.
Fleet size and frequency of use – the lower these numbers the lower the price will be.
Individual vehicle no claims bonus – for smaller fleets, it could work out cheaper insuring the vehicles individually.
Frequently Asked Questions about Motor Fleet Insurance
Obviously, if you own two or three vehicles for personal use you won’t consider yourself to have a fleet, and neither will your insurance company. Generally, a fleet consists of around ten or more vehicles which are used on a daily basis in order to help run your business. So if you own a delivery company, run your own taxi firm or offer any other type of service dependent on the use of vehicles on a daily basis, you probably need motor fleet insurance!
If you own a fleet of vehicles you will often find that each vehicle is driven by someone different each day, which is why it is important that your whole fleet is covered. Motor fleet insurers understand the fact that the vehicles in your company will be driven more often than most privately owned cars, and are more likely to experience wear and tear. A policy would protect your business against any losses from a vehicle being off the road.
After spending years working with a number of motor fleet managers, we know that no two vehicle fleets are the same. With this in mind, we have found a wide range of motor fleet insurance policies that can help you, no matter what type of fleet you own. Whether you have taxis, minibuses, vans, trucks or coaches we can find the right type of cover for you. Our business is protecting your business, so fill in an online quote form today and see how we can help keep your fleet running smoothly.
Yes it is possible to alter the amount of vehicles you have on your motor fleet insurance policy. You will just need to contact your motor fleet insurer and they will then deal with your request appropriately. Varying amounts of vehicles on your policy may also alter the amount you will pay for your insurance.
With motor fleet insurance, it is possible to have different vehicles on the same policy; however, this is something you should check with the insurance provider you are with. Although it is very likely that you will be able to have cars, vans, lorry’s, and taxis all on the same policy.
Most insurance companies will require that you have a minimum of five vehicles. However there are also companies out there that will insure you for a minimum of up to two vehicles. When requesting a motor fleet insurance quote you may be able to check the specific details with different insurers.
Most motor fleet insurance policies are held by businesses and there are no restrictions to the type of business that holds a fleet insurance policy. It is also possible to purchase family fleet insurance. This is predominantly designed for families who have at least five vehicles to insure and can include a mixture of cars, vans, motorcycles, horseboxes, motorhomes etc.
All vehicles must be registered in the name of the company or a partner or director of the company. So if you have five vehicles you can insure them all under a motor fleet insurance policy. What you must not do is insure the cars of employees, or family members, who are not either partners or directors of the business.
Accident frequency along with the cost of a claim can alter how much you pay for your insurance. Otherwise there is not a great deal else that will alter your specific price for motor fleet insurance. You must be completely honest when applying for insurance. If you are found to have lied when it comes to making a claim, you will not be covered.
I was delighted with the quotes I received from QuoteSearcher. I ended up making a saving of £300 on my insurance!
Nick Baker – Chorley, Lancashire
I bought my insurance online before and the quote process was so lengthy and complicated compared with the process on your site. Great stuff!