Fleet insurance: Every vehicle, every driver, one policy.

Fleet cover for two vehicles or two hundred, from brokers who arrange it for businesses across the UK.

Vans, cars, HGVs and mixed fleets
Any-driver options
No obligation

What fleet insurance can cover

Small fleets from two vehicles upward, mixed fleets, any-driver policies and the extras that go with running vehicles for a living.

Small fleets (2 to 10)
Medium and large fleets
Mixed cars, vans and trucks
Any-driver policies
Goods in transit
Breakdown and legal
Motor trade fleets

What is fleet insurance?

Fleet insurance covers several vehicles under one policy instead of insuring each one separately. It can include cars, vans, trucks or a mix. You get one renewal date and one set of documents. Many insurers will consider a fleet policy from two vehicles, though some ask for more.

Fleet policies suit businesses of all sizes, from a trader with two vans to a company running a large mixed fleet. They can also work for families with several cars, depending on the insurer.

Is fleet insurance a legal requirement?

Fleet insurance itself is not a legal requirement. But every vehicle driven on a public road must be insured for at least third-party liability under the Road Traffic Act. A fleet policy is simply one way to meet that for every vehicle at once. Vehicles kept off the road need a SORN instead.

What types of fleet cover are there?

Like single vehicle policies, fleet cover comes as third party only, third party fire and theft, or comprehensive. The other big choice is who can drive. A named-driver fleet lists each driver. An any-driver fleet covers anyone who meets the conditions, which often include a minimum age.

Named drivers: each driver is listed on the policy.
Any driver: anyone who meets the policy's conditions can drive.
Class of use: personal, business, carriage of own goods or hire and reward must match how each vehicle is used.

What does fleet insurance usually cover, and what does it leave out?

A comprehensive fleet policy usually covers accident damage, fire, theft and third-party liability for every vehicle on it. Breakdown, goods in transit and legal expenses are often optional extras. Use that doesn't match the policy, unlisted drivers on a named policy, and wear and tear are commonly excluded.

What affects the price of fleet insurance?

Insurers look at the fleet's claims history, the number and type of vehicles, what they are used for and who drives them. Where vehicles are kept overnight, the security fitted and how the fleet is managed also matter. As with any policy, the excess you choose changes the price.

Claims history across the fleet.
Vehicle types, values and weights.
Class of use and typical mileage.
Driver ages and experience, or any-driver age limits.
Overnight storage and security, such as trackers.
Driver checks, training and how claims are handled.

How can I bring down the cost of fleet insurance?

Keep accurate records and show the insurer you manage risk. Regular licence checks, clear driving rules, telematics or dash cams, secure overnight parking and prompt reporting of incidents all help make the case. A broker can also quote named-driver and any-driver options so you can compare.

What do I need to get a fleet insurance quote?

A list of vehicles with registrations, how each one is used, where they are kept overnight, who drives them, and the claims history for the fleet. If you have an existing policy, your renewal date and a claims record from your current insurer will help the broker.

Fleet insurance questions

What happens after I submit?

Your details go to specialist brokers who deal with fleet insurance every day. One of them will call you to run through your options and quotes.

Is there any obligation?

None. You can take a quote, ask for changes, or walk away. Nothing is bought until you say so.

Who are the brokers?

UK-based insurance brokers authorised and regulated by the Financial Conduct Authority. Kompare Limited (FCA reference 794660) is an appointed representative of Rainbow Connected Limited (FRN 749881).

How long does it take?

The form takes about two minutes. Brokers usually call back during working hours.

What counts as a fleet?

Brokers set their own minimum, and some will quote a fleet policy from two vehicles. If you run more than one vehicle, it's worth asking.

Can I add and remove vehicles during the year?

Usually yes. Fleet policies are built for change, but ask the broker how additions and removals are handled and charged.

Can a fleet mix cars, vans and trucks?

Yes. Mixed fleets are common. Tell the broker about every vehicle type so the policy covers each one.

Does a fleet policy cover the goods we carry?

Not automatically. Goods in transit is usually a separate section or add-on.

What is a claims experience letter?

It's a record of your past claims from your current insurer. Brokers often ask for it when quoting a fleet.

Do all my drivers need to be named?

Only on a named-driver policy. An any-driver policy covers anyone who meets its conditions, such as a minimum age.

Written and checked by the Kompare team · Last updated October 2026

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