Fleet insurance for all your business vehicles
Fleet insurance from a panel of trusted UK insurers
A new way to insure your motor fleet
Managing a fleet of vehicles means juggling multiple renewal dates, multiple insurers, and more administration than any business needs.
Fleet insurance solves that by covering all your vehicles under one policy — simplifying your insurance and typically reducing the cost per vehicle compared to insuring each one separately.
At insurd, we’re an FCA-regulated specialist insurance broker with over 50 years of experience arranging fleet insurance for businesses across the UK. We work with a handpicked panel of leading UK insurers to find the right policy for your fleet — whatever type of vehicles you operate and however many you run.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
As a specialist insurance broker, we search our panel of leading UK insurers to find the right fleet policy for your business
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable prices. Get a fleet insurance quote today.
What is fleet insurance?
Fleet insurance is a single policy that covers two or more vehicles under one arrangement, replacing individual policies for each vehicle. For any business where vehicles are a core operational asset — whether you run a small trades fleet, a large courier operation, or a mixed fleet of company cars and commercial vehicles — the administrative simplicity and cost savings make fleet insurance the natural choice.
Whether you operate a small fleet or a large one, there are requirements such as the number of vehicles, their usage, and driver details that need to be met. Read our guide on fleet insurance requirements for more details.
Policies can vary based on the level of cover you need. The main types include:
Third party only — The minimum legal requirement. Covers damage or injury caused to third parties but does not protect your own vehicles.
Third party, fire and theft — Covers third-party liability plus damage to your vehicles from fire or theft.
Comprehensive — The highest level of protection. Covers damage to your vehicles, theft, fire, and third-party liability. Recommended for most commercial fleets.
For fleets with multiple drivers, you have two options:
Any driver policy — Any driver can operate any vehicle in the fleet. Offers maximum flexibility but typically carries a higher premium.
Named driver policy — Each vehicle is assigned to specific drivers. Usually more cost-effective, particularly for smaller fleets or where drivers consistently use the same vehicles.
Who needs fleet insurance?
Fleet insurance is suitable for any business operating two or more vehicles — from sole traders with a small van fleet to large organisations running hundreds of vehicles across multiple locations. The right policy type depends on the nature of your business and how your vehicles are used.
There are several policy types, each catering to specific businesses and their needs. The types include:
- Van fleet insurance
- Taxi fleet insurance
- HGV and truck fleet insurance
- Car fleet insurance
- Courier fleet insurance
- Business and commercial fleet insurance
These are ideal for businesses that operate a collection of vehicles, such as:
- Delivery, courier, removal or similar companies
- Taxi services with multiple vehicles and drivers
- Logistics and transportation businesses
- Construction companies with specialised vehicles
- Any business with a large number of company cars or vans
Whatever type of vehicle or cover you need, we can tailor a policy to your needs.
Why manage your fleet insurance with us?
Fleet performance insights
Risk management tools to help you manage risk and safety to reduce fleet vehicle accidents and help lower your premiums.
Online policy management
Manage your vehicles and drivers 24/7. Instant cover and rapid claim response to get your vehicles back on the road in no time.
Dedicated support
You’ll have your very own dedicated account manager who will monitor incidents, review claims and support you in reducing risks.
Reduced administration
Manage all your vehicles under one streamlined policy. You’ll have one renewal date and one point of contact, simplifying your insurance.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does fleet insurance cost?
Several factors can influence the cost of a fleet insurance policy:
Type of cover
Third party only, third party fire and theft, and comprehensive are the three available levels. The right choice depends on your fleet’s value, usage, and risk exposure.
Size of the fleet
More vehicles typically mean higher overall premiums, but the cost per vehicle decreases as fleet size increases — making fleet insurance increasingly cost-effective as your operation grows.
Location and security
Where your business operates and where vehicles are stored overnight both affect your premium. Urban locations carry higher risk, and security measures such as trackers, alarms, and secured compounds can attract discounts.
Type of vehicle
The make, model, value, and purpose of your vehicles all affect your premium. High-value, specialist, or modified vehicles cost more to insure than standard commercial vehicles.
Driver details
The age, experience, and driving records of your named or listed drivers are critical cost factors. Regular licence checks and driver training programmes directly reduce your risk profile.
Claims history
A strong claims record attracts meaningful discounts at renewal. Frequent or high-value claims will increase your premium — active claims management is your most effective long-term cost control tool.
How to reduce your fleet insurance premium
Beyond the factors above, there are several practical steps that can meaningfully reduce your fleet insurance costs.
- Invest in driver training — Formal driver training programmes and fleet safety schemes are one of the most effective ways to reduce fleet premiums. Insurers view trained drivers as lower risk, and some will offer direct discounts for evidenced training.
- Install telematics and dashcams — Fleet telematics systems monitor driver behaviour — speed, braking, cornering — and provide data that demonstrates responsible driving. Many insurers offer premium reductions for fleets running telematics. Dashcams provide evidence in disputed claims and can prevent fraudulent claims.
- Manage your claims actively — A strong claims management approach — reporting incidents promptly, managing repair costs, and avoiding unnecessary claims — protects your fleet’s claims history and prevents premium spikes at renewal.
- Control who drives your vehicles — Restricting cover to experienced drivers with clean records, setting minimum age requirements, and running regular licence checks on all drivers reduces your risk profile significantly.
- Review your fleet composition regularly — Older, higher-value, or high-powered vehicles cost more to insure. Reviewing your fleet mix at renewal and considering whether older vehicles should be replaced or removed can reduce your overall premium.
- Increase your voluntary excess — A higher fleet excess reduces your premium but means absorbing more of the cost of small claims. For larger fleets this can be an effective cost management strategy if you have the reserves to cover it.
Fleet insurance frequently asked questions
What is fleet insurance and why do I need it?
Fleet insurance covers multiple vehicles under a single policy, making it simpler and usually more cost-effective than insuring each vehicle separately. It gives you one renewal date, one point of contact, and one set of documents — saving you significant time and administration. If your business relies on vehicles, fleet insurance is an essential protection.
How many vehicles do I need for fleet insurance?
Fleet insurance is available for businesses with two or more vehicles, and there's no upper limit on fleet size. Whether you have two vehicles or two hundred, we can arrange a policy to suit you.
What types of vehicles can be covered?
We can cover a wide range of vehicles under one fleet policy — from cars and vans to commercial vehicles, HGVs up to 44 tonnes, plant machinery, and special types. If you're unsure whether your vehicles qualify, our team can advise.
Can I include mixed vehicle types on one fleet policy?
Yes — one of the key advantages of fleet insurance is that you can cover mixed vehicle types under a single policy. Cars, vans, HGVs, and specialist vehicles can all sit on the same policy, removing the need to manage multiple separate insurances.
What's the difference between any driver and named driver fleet cover?
With an any driver policy, any driver can operate any vehicle in your fleet — offering maximum flexibility but usually at a higher premium. A named driver policy assigns specific drivers to specific vehicles, which is typically more cost-effective, particularly for smaller fleets where drivers consistently use the same vehicles. Our team can help you decide which suits your business best.
What happens to my fleet policy if I add or remove vehicles?
Adding or removing vehicles is straightforward — just contact our team and we'll update your policy and the Motor Insurance Database (MID) accordingly. There's no need to wait for your renewal date. Temporary additions can also be arranged for short-term needs.
Can I manage my policy online?
Yes — But it depends on the provider. Fleet policies can be managed online, including adding and removing vehicles and drivers. The process differs slightly from our standard customer portal, so our team will walk you through how it works when your policy is set up.
How do I notify you of a claim?
Call our dedicated 24/7 claims helpline on 0345 222 6319 and our team will handle everything quickly to keep your business moving.
Why can I trust insurd?
We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.
You can verify our status directly on the FCA register.
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