- Quotes from motor fleet insurance specialists
- Cover options for cars, vans and mixed fleets
- Options available for business and commercial use
- Compare motor fleet insurance with one quick form
Motor Fleet Insurance
We partner with specialist insurance providers including
Understanding Motor Fleet Insurance
Motor fleet insurance plays an important role in keeping businesses moving. Any organisation that relies on multiple vehicles needs confidence that, if something goes wrong, appropriate insurance arrangements are in place to help potential disruption and unexpected costs.
Whether you’re exploring cover for a small fleet, company cars, or a mix of business and personal vehicles, QuoteSearcher helps put you in touch with brokers who specialise in motor fleet insurance. This reduces the need to approach multiple providers individually and allows you to focus on running your business.
Fleet policies may take into account how vehicles are used and could include optional features that add further protection. Depending on the broker and insurer, this could involve cover for windscreens, any-driver arrangements, or vehicles used for hire or rental purposes.
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Motor Fleet Insurance Policy Features
Haulage Insurance
For businesses operating long-distance transport or delivery services.
Courier Insurance
Designed for vehicles covering local areas and making multiple daily deliveries. Find out more about Courier Insurance.
Carriage of Own Goods
Cover for tools, equipment, or goods carried by employees as part of their role.
Public and Employers’ Liability Insurance
Cover for claims relating to injury or property damage involving employees or members of the public. Find out more about Public & Employers’ Liability Insurance here.
Legal Expenses Insurance
May help cover legal costs arising from third-party compensation claims. Find out more about Legal Expenses Insurance here.
Replacement of Locks Insurance
Cover for replacing locks if vehicle keys are lost, stolen, or damaged.
Trailer Insurance
Protection for goods transported via trailers, which may include plant or heavy machinery.
EU Cover
Cover for vehicles travelling in Europe, which may include roadside assistance and accident-related support, depending on the insurer.
Choosing a Motor Fleet Insurance Policy
When considering fleet insurance, it’s important to understand what level of cover your business may require. Many fleet policies typically apply to three or more vehicles, although minimum requirements vary by provider.
Requirements often differ depending on whether you operate cars, vans, or specialist vehicles, and factors such as driver age, vehicle value, and usage can all influence terms and cost. Certain industries and fleet types may also require more specific features, including:
Haulage Fleet Insurance
Haulage fleets often involve high-value vehicles and may be assessed as higher risk by some insurers due to the nature of the loads carried. Brokers specialising in haulage fleet insurance may help discuss options suited to HGVs and heavy transport.
Multi-Vehicle Fleets
Businesses operating a mix of cars, vans, and motorcycles may be managed under a single policy that accounts for the differing risks associated with each vehicle type.
Van Fleet Insurance
Trades such as plumbing, electrical work, and decorating often rely on vans to transport tools and equipment. Van fleet policies may include cover for tools stored in vehicles.
Other Types of Motor Fleet Insurance
There are many fleet arrangements that fall outside standard business use. Depending on your circumstances, you may need a more specific type of fleet policy, including:
- Private / Family Fleet Insurance
- Often suitable for multiple personal vehicles owned within one household. Find out more about Family Fleet Insurance.
- Taxi Fleet Insurance
- For licensed taxi or minicab operators.
- Courier Fleet Insurance
- A cover for multiple delivery vehicles under one policy. Find out more about Courier Fleet Insurance.
- Motor Trade Fleet Insurance
- Usually used for businesses operating vehicles within the motor trade. Find out more about Motor Trade Insurance.
- Removals Fleet Insurance
- Often suitable for companies transporting household or commercial goods.
- Haulage Fleet Insurance
- This includes fleets transporting hazardous materials.
- Rental Fleet Insurance
- Designed for vehicles hired to customers with varying driving experience.
Suggested Features for Fleet Insurance
While the legal minimum for motor insurance is third party only (TPO), some fleet operators opt for broader cover due to the increased exposure and operational reliance on vehicles.
Any Driver Cover
Some fleets require flexibility where vehicles are used by different drivers. Any-driver cover may be available, often subject to age and licence conditions set by insurers.
Public Liability Insurance
With multiple vehicles on the road, exposure to third-party claims increases. Public liability cover may help manage these risks.
Replacement Vehicle Cover
If a vehicle is off the road for repairs, replacement cover could help reduce downtime and keep operations running.
Common Fleet Policy Exclusions
- Theft of an unattended vehicle
- Theft by deception
- Mechanical breakdown
- Tyre replacement
No Claims Discount
For larger fleets, maintaining a zero-claims record can be challenging. Instead of traditional no-claims bonuses, insurers may assess claims cost over a set period. Lower total claims may be taken into account at renewal by some insurers.
