Can I add HGVs to a car and van fleet?

Often yes, but heavier goods vehicles can affect eligibility and pricing, so confirm which weight categories an insurer accepts before you commit.

Does a mixed fleet cost more than separate types?

Not necessarily. Combining vehicles can simplify admin, but each vehicle is rated on its own risk, so the only way to know is to get quotes.

Can I have different cover levels per vehicle?

Many fleet policies allow different levels, such as comprehensive for newer vehicles and third party for older ones, depending on the insurer.

Fleet

Can I mix cars and vans on one fleet policy?

Yes. Mixed fleets are common in the UK, and one fleet policy can usually cover cars, vans and often other vehicle types under a single renewal date.

Yes. Mixed fleets are common in the UK, and a single policy can usually cover cars, vans and often other vehicle types together under one renewal date.

What a mixed fleet can include

A mixed or composite fleet policy lets you insure different vehicle types on one schedule, which removes the hassle of juggling separate renewals. Insurers commonly combine:

Company cars and pool cars
Light and heavier goods vans
Pick-ups, minibuses and specialist vehicles

How mixed fleets are priced

Each vehicle is still rated on its own risk, so a high-value van will cost more to cover than a small car. But everything sits under one policy number and one point of contact. The type of use matters too: a van used for deliveries may be rated differently from a car used for visiting clients.

Why businesses choose a mixed fleet

The main benefit is simpler administration. Adding or removing vehicles is easier as your business changes, there is one renewal date to remember, and claims are handled through one policy. For businesses with a handful of vans and a few company cars, this can save a fair amount of time.

Different cover levels

Many fleet policies let you choose different cover levels for different vehicles, for example comprehensive for newer vehicles and third party for older ones. Check with your broker what the policy allows.

Getting quotes

Give the broker the full mix of vehicles when you ask for a quote, so the cover and price reflect what you actually run. With Kompare, you fill in a short form and a specialist FCA-authorised broker from our panel contacts you about fleet insurance quotes. If you only run vans, you may also want to see our van insurance page.