Car fleet insurance for all your business vehicles
Compare car fleet insurance quotes from trusted brands
A new way to insure your car fleet
Car fleet insurance is a comprehensive policy designed to cover multiple cars under a single plan. It simplifies insurance management, often reducing costs compared to insuring vehicles individually.
In partnership with some of the leading UK insurers, we’ll not only get you a better car 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 car 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 car 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 car fleet insurance cover?
Fleet performance insights
Gain access to tools that help you monitor driver behaviour and assess risks, reducing the chances of accidents and helping lower your premiums.
Online policy management
Manage your cars and drivers 24/7 with ease. Benefit from instant cover options and a rapid claims process to keep your fleet operational.
Dedicated support
A personal account manager will assist you in tracking incidents, handling claims, and minimising risks to ensure smooth operations.
Reduced administration
Consolidate all your cars under one policy. Enjoy the convenience of a single renewal date and a dedicated point of contact for all your insurance needs.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is car fleet insurance?
With options to tailor your cover, car fleet insurance is ideal for businesses managing cars for deliveries, sales teams, or other purposes. Meeting fleet insurance requirements involves details like vehicle usage, the number of vehicles, and driver information. Read our guide on car 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: Covers third-party damage or injury caused by your fleet of cars, fulfilling legal obligations.
Third-party, fire and theft: Protects your cars against fire or theft while covering third-party liability.
Comprehensive cover: Delivers full protection for your cars, including damage to vehicles, third-party claims, fire, and theft.
For car fleets with multiple drivers:
Any Driver Policy: Offers flexibility by allowing multiple drivers to operate any car in your fleet, ideal for varied usage.
Named Driver Policy: Reduces premiums by assigning specific cars to specific drivers, ensuring clarity and accountability.
How much does car fleet insurance cost?
Several factors can influence the cost of a car fleet insurance policy:
Type of cover
The level of cover you select, whether it’s third-party only, third-party, fire and theft or comprehensive.
Size of the fleet
Larger fleets may cost more overall, but premiums per vehicle often decrease as fleet size increases.
Location and security
The area where your business operates and any security measures in place can affect premium costs.
Type of vehicle
Vehicle make, model, and use impact the premium, luxury high-performance cars typically cost more to insure.
Driver details
Factors like age, experience, and driving history of named drivers play a role in determining premiums.
Claims history
A strong claims history can lead to discounts, while frequent claims may result in higher premiums.
Car fleet insurance frequently asked questions
What is car fleet insurance and why do I need it?
Car 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 car fleet insurance?
Car 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 employees use fleet cars for personal use?
This depends on your policy — some car fleet policies include social use for named drivers, while others restrict cover to business use only. If you want employees to be able to use fleet cars outside of work hours, make sure this is confirmed with our team when arranging your policy.
Does car fleet insurance cover hire cars or temporary replacement vehicles?
Courtesy or hire cars aren't automatically included in a fleet policy but can usually be arranged as an optional extra. If keeping your employees mobile in the event of an accident or breakdown is important to your business, it's worth adding when you get your quote.
Can I include electric or hybrid vehicles on a car fleet policy?
Yes — electric and hybrid vehicles can be included on a car fleet policy. Premiums may vary depending on the make, model, and value of the vehicles. If you're transitioning your fleet to electric vehicles, our team can advise on the right cover as your fleet evolves.
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.
Ready to start saving on your insurance?
Complete quote form
Fill out our quote form in less than 2 minutes, and we’ll be in touch as soon as possible.
Don’t just take our word for it
See what our customers said after trusting insurd with their cover.