What is motor fleet insurance?
Motor fleet insurance is the trade name for a single motor policy covering a group of vehicles run by the same business. The fleet is underwritten as one risk, shares one renewal date, and vehicles can join or leave the schedule during the policy year.
- Available from 2 vehicles upwards
- Cars, vans and HGVs on one schedule
- Any-driver or named-driver basis
- Priced on claims experience, trade and drivers
What a motor fleet policy covers
The cover itself works like any motor policy: third-party injury and damage as a legal minimum, with fire, theft and accidental damage added as you move up the cover levels. The difference is that the whole fleet is rated together and vehicles can move on and off the schedule during the year.
- Comprehensive, third party fire and theft, or third party only
- Windscreen and glass cover across the fleet
- Optional goods in transit, tools and plant cover
- Optional breakdown recovery and replacement vehicle cover
- Optional legal expenses and uninsured loss recovery
Who motor fleet insurance suits
Motor fleet is written for businesses rather than individuals, though family fleet and multi-car arrangements exist under the same rating principles.
- Contractors and trades running vans and pick-ups
- Companies with a car scheme for staff or directors
- Hauliers, couriers and distribution operators
- Care providers, minibus operators and taxi firms
- Mixed operations with cars, vans and heavier vehicles together
How motor fleet premiums are calculated
Underwriters price the operation as a whole. Confirmed claims experience over the last three to five years carries the most weight, followed by trade, driver profile, vehicle values and where the vehicles are kept.
This is why presentation matters: a clean claims letter, a documented driver policy and telematics data can move a motor fleet quote significantly.
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.