Business fleet insurance for all your vehicles
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A new way to insure your business fleet
Business fleet insurance consolidates all your vehicles under one policy, making it easier and more economical to manage compared to separate policies for each vehicle.
In partnership with some of the leading UK insurers, we’ll not only get you a better business fleet insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We compare the market for the best deal so you don’t have to.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for your fleet 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 business fleet insurance prices. Get a fleet insurance quote today.
With over 50 years of experience providing top-quality insurance for fleets, you can be sure we’ve got you covered.
What does business fleet insurance cover?
Fleet performance insights
Utilise tools to track fleet activity and minimise risks, helping to prevent accidents and control your business insurance costs.
Online policy management
Oversee your vehicles and drivers anytime, anywhere. Immediate cover and quick claims responses ensure minimal disruption to your business.
Dedicated support
Receive personalised assistance from an account manager who can analyze incidents, streamline claims, and provide strategies to lower risks.
Reduced administration
Manage all your fleet vehicles with one policy, one renewal date, and a single point of contact, simplifying insurance for your business.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is business fleet insurance?
It caters to businesses of all sizes and industries, offering administrative simplicity. Businesses must meet specific criteria, such as the number of vehicles, their purpose, and driver information. Read our guide on business fleet insurance requirements for more details on these.
Policies can vary based on the level of cover you need. The main types include:
Third-party only: Provides essential third-party liability cover for your business fleet vehicles.
Third-party, fire and theft: Adds cover for your fleet vehicles in cases of fire or theft, offering greater protection.
Comprehensive cover: Ensures complete cover for your fleet vehicles, third-party risks, and damages.
For business fleets with multiple drivers:
Any Driver Policy: Allows flexibility for businesses needing multiple drivers to operate any fleet vehicle, suitable for dynamic operations.
Named Driver Policy: Assigns specific vehicles to named drivers, simplifying management and reducing insurance costs.
How much does business fleet insurance cost?
Several factors can influence the cost of a business fleet insurance policy:
Type of cover
Is the level of cover selected third-party only, third-party, fire and theft or comprehensive.
Size of the fleet
Larger fleets may incur higher overall premiums, but the cost per vehicle decreases with volume.
Location and security
Operating areas and security systems, such as trackers or CCTV, influence pricing.
Type of vehicle
Premiums vary based on the vehicles’ make, model, and intended business use. Specialist vehicles may cost more.
Driver details
The ages, driving experience, and histories of drivers on your policy can impact premiums significantly.
Claims history
A solid claims history helps reduce premiums, while more frequent claims can lead to higher costs.
Business fleet insurance frequently asked questions
What is business fleet insurance and why do I need it?
Business 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 business fleet insurance?
Business 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.
Can I get business fleet insurance if my vehicles are used across different industries or divisions?
Yes — a business fleet policy can cover vehicles used for different purposes across your organisation, from sales representatives' cars to delivery vans and specialist vehicles. We'll make sure the policy accurately reflects all the ways your vehicles are used so you're properly protected.
Does my business fleet policy cover drivers who use their own vehicles for work?
Standard business fleet insurance covers vehicles owned or leased by the business. If employees use their own vehicles for work purposes they'd typically need business use added to their personal policy. Speak to our team if this applies to your business and we'll advise on the right approach.
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.
Who actually underwrites my policy?
We're a broker, which means we arrange cover on your behalf with a handpicked panel of trusted insurers. You'll see exactly who's underwriting your policy before you commit to buying.
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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