Can I add a vehicle partway through the year?

Yes. Fleet policies are designed to flex, so you can usually add or remove vehicles during the policy, with the premium adjusted.

What cover levels are available?

Most fleet policies offer comprehensive, third party fire and theft, or third party only, and some allow different levels for different vehicles.

What information do I need to get a quote?

Typically your vehicle registrations or types, driver ages and licence details, annual mileage, your trade and the claims history for the fleet.

Fleet

How does fleet insurance work?

Fleet insurance covers several business vehicles under one policy and one renewal date. Here are the basics, cover levels and what you need for a quote.

Fleet insurance covers several vehicles under one policy with a single renewal date. Pricing is usually based on the vehicles and the fleet's overall risk, rather than on naming each driver.

The basics of a fleet policy

Instead of insuring each vehicle separately, a fleet policy brings them together on one schedule, so you manage everything in one place. In practice this means:

All vehicles share a common renewal date
Cover is rated on the fleet's overall risk and claims record
You can often use an any driver basis for flexibility
Vehicles can be added or removed during the policy as your needs change

Cover levels

You choose a level of cover, as with a single vehicle:

Comprehensive, covering damage to your own vehicles as well as third parties
Third party, fire and theft
Third party only, the legal minimum for driving on UK roads

Some policies let you mix levels across the fleet. Optional extras such as breakdown cover or goods in transit may also be available.

Who uses fleet insurance

Fleet policies suit businesses that run several vehicles: trades with a few vans, delivery firms, hire companies and businesses with company cars. The vehicles do not have to be the same type. See our fleet insurance page for more.

Setting it up

To get started, gather your vehicle details, driver information and claims history. With Kompare, you fill in a short form and a specialist FCA-authorised broker from our panel contacts you about quotes and suitable cover. Read how we work for more.