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    FLEET INSURANCE

    WE COMPARE FLEET INSURANCE PROVIDERS TO FIND THE BEST POLICY.

    As specialist Fleet Insurance Brokers with access to a panel of the largest motor fleet insurance providers we find you the very best policy at the best price. Saving you both time and money.

    OUR POLICIES COVER:

    • Business Fleet Insurance
    • Fleet Van Insurance
    • Haulage Insurance
    • Taxi Insurance
    • Self Drive Hire Insurance
    • Courier Insurance
    • Business Car Insurance
    • Credit Hire Insurance
    • Coach & Minibus Insurance
    • Any Driver Fleet Insurance

    OUR STANDARD FLEET INSURANCE INCLUDES

    BENEFITS:

    • Specialist Tailored Broker Support
    • Access to Top Panel of Insurers
    • Fast & Efficient Policy Issuing
    • Finance Available Subject to Status
    • Fleet Management Advice
    • Saved Time & Money

    FEATURES:

    • From 2 to 500+ Vehicles
    • Any Driver Options
    • Breakdown Cover
    • Excess Insurance
    • Flexible Payment Terms
    • Legal Expenses
    • 24hr Claims Service

    • Low Excess
    • 24hr Claims Service

    Additional cover options by request.

    Get a quick quote, or if you’d prefer to speak to one of our experts, call 0161 000 000

    FLEET INSURANCE EXPLAINED

    Fleet insurance is a businesses insurance aimed at companies with two or more vehicles. It makes it possible to insure multiple vehicles – from cars, minibuses, trucks, HGVS and taxis – on a single insurance policy.

    WE COMPARE QUOTES FOR YOU

    As a specialist fleet insurance broker in the UK, we have access to a panel of the largest insurance providers meaning we can get you the best deal on the market. We conduct policy comparisons on your behalf, so you can be sure you’re getting the best deal.
    Rather than having to reiterate the same details multiple times to multiple insurers, obtaining insurance through Ideal Brokers means you’ll only ever answer these questions once.

    WHAT DOES FLEET INSURANCE COVER?

    We offer comprehensive commercial fleet insurance covering a diverse range of cars, vans, or other vehicles owned by your business, all under a single combined policy tailored for small to large fleets. If your fleet primarily consists of one type of vehicle, we can provide specific insurance for that vehicle type, such as fleet van insurance.

    Additionally, we provide any driver fleet insurance, allowing your drivers to seamlessly switch between vehicles as needed.

    Our policies can encompass various elements, including coverage for damage, breakdowns, replacement costs, personal belongings, as well as assistance with legal and medical expenses.

    HOW MUCH DOES FLEET INSURANCE COST?

    To calculate your premiums an insurer will ask for some basic information about your fleet, including:

    • How many vehicles are you looking to insure?
    • What are the types of vehicles?
    • What is the nature of your business?
    • How old are your drivers?
    • Which geographical locations do you cover?
    • Do you carry members of the public?
    • Do you carry cargo?
    • Have you made any vehicle insurance claims in the past?
    • What is the age and condition of your vehicles?

    This criteria assists the insurer in assessing the level of risk associated, which significantly influences the calculation of your premiums.

    The flexibility desired in your policy also affects the price. Opting to insure all drivers on all vehicles can have cost implications on the policy price.

    Similarly, the age and driving experience of your drivers are factors considered in determining the cost of your annual premium.

    To address these considerations, many insurers provide insurance options based on criteria such as ‘Any Driver Over the age of 21’ or ‘Any Driver Over the Age of 25’.

    TIPS ON REDUCING YOUR RISK

    There are several measures you can implement to mitigate risk and consequently reduce the cost of insurance claims for your business. Insurers typically favour solutions such as:

    • Onboard cameras
    • Proximity sensors
    • Telematics
    • Defensive driver training
    • Speed limiting devices and vehicles
    • Restricting vehicles to one or two drivers
    • Driver background checks

    A company’s recruitment procedures and driver retention rate hold significant importance for your insurance provider, alongside the utilisation of technology to gauge performance.

    Employers must carefully consider the type of drivers they aim to attract and devise strategies to recruit them effectively.

    Making sound hiring decisions increases the likelihood of having top-tier drivers operating your vehicles and representing your business.

    GOODS IN TRANSIT COVER

    Goods in transit cover is an additional insurance recommended for anyone transporting goods on behalf of others, offering protection against loss or damage to those goods.

    Insurers may impose additional considerations for goods in transit cover, such as regulations regarding overnight parking locations. They may require that vehicles are not left unattended or mandate the use of secure parking bays.

    Loading and unloading of goods are typically included in the policy, but it’s advisable to verify this, and coverage for the driver’s personal effects may need to be added if necessary.

    Our top recommendation regarding goods in transit insurance is to fully understand the demarcation between your liability and the customer’s liability. In many instances, you may find yourself uninsured if you promise more to the customer than what is documented in your insurance policies.

    READY TO SEE HOW MUCH WE COULD SAVE YOU?

    Allow us to streamline the process by comparing fleet policies and prices for you.

    At Ideal Brokers, we have access to quotes from a select panel of top insurers, enabling us to compare prices and secure a competitive policy that meets all your requirements.

    To discover potential savings by transitioning from individual vehicle insurance to a fleet policy, reach out to our brokers or obtain a quick quote online within minutes.

    Get a quick quote, or if you’d prefer to speak to one of our experts, call 01489 250 950

    GET A QUOTE

    FREQUENTLY ASKED QUESTIONS

    What is fleet insurance?

    Fleet insurance is a type of business insurance designed for companies with two or more vehicles. It allows for the simultaneous insurance of multiple vehicles—ranging from cars, minibuses, trucks, HGVs, to taxis—under a single insurance policy.

    How much does fleet insurance cost?

    The cost of fleet insurance is determined by several factors, including premiums, the types of vehicles, and the drivers. It hinges on the size of your fleet, the types of vehicles included, their age and condition, frequency of use, intended purpose, and storage location when not in use. Each of these factors plays a role in calculating the overall cost of fleet insurance.

    How many cars do you need for fleet insurance?

    To be eligible for fleet insurance, you typically require a fleet of two vehicles or more, although this criterion can vary depending on the provider. The maximum number of vehicles covered under a fleet policy usually ranges up to 500 vehicles, but there are policies available to cover several thousand vehicles, catering to the needs of large enterprises.

    Can I change the vehicles on my policy?

    If you require adding or modifying vehicles under an existing fleet insurance policy, you can do so by informing your insurance provider about the updated details to make the necessary amendments. There might be adjustments in costs associated with policy amendments, potentially requiring you to pay a fee to include them in your current policy.

    What if one of the drivers has a conviction?

    If any of your drivers have a prior driving conviction, it’s imperative to refer them to your insurance provider before permitting them to drive. This encompasses conviction codes such as AC, BA, DD, DR, IN, MS, NE, TT, UT, and XX. We strongly recommend conducting thorough checks of all fleet drivers’ driving licenses at least once a year.