What is company fleet insurance?
Company fleet insurance is a business motor policy covering the vehicles a company owns, leases or operates. It insures employees driving for work, satisfies leasing and finance requirements, and gives the business one renewal date and one point of contact for claims.
- Covers employees and directors driving on company business
- Leasing and finance companies noted as interested parties
- Any-driver cover removes admin when staff change
- Trade and claims record drive the price
Who company fleet insurance suits
Any business that owns or leases vehicles in the company name can be written on a fleet basis, from a two-vehicle limited company to a national operation.
- Construction and trade contractors running vans and pick-ups
- Professional services firms with company cars and pool cars
- Distribution, wholesale and delivery businesses
- Care providers, cleaning firms and mobile service engineers
- Agricultural and plant businesses with mixed on-road vehicles
Driver management on a company fleet
How you define who may drive is one of the most powerful pricing levers available, and one of the biggest sources of claims disputes when it is handled loosely.
- Any driver over a stated age: most flexible, most expensive
- Named drivers only: usually rated lowest, but every new starter needs adding
- Age-banded any driver, typically 21+, 25+ or 30+
- Licence checking through the DVLA share code service, which many insurers now require annually
What underwriters ask a company for
Have these ready and your quotes come back faster and sharper.
- Registered company name, number and trading address
- Nature of the trade and how long the business has traded
- Full vehicle schedule with registrations, values and use
- Three to five years of confirmed claims experience
- Driver list with dates of birth, licence types and convictions
- Details of any O-licence held
Why choose Fleet Cover UK?
One policy, one renewal and a specialist who takes time to understand your business. The team at Broker Zone can discuss your vehicles, drivers and requirements, explain suitable options and help you decide on the next step.
Insurance services are provided by Broker Zone Ltd, an appointed representative of Gauntlet Risk Management Ltd. Cover is subject to insurer acceptance, terms, conditions and exclusions.