Is any driver cover more expensive?

It can be, because the insurer takes on a wider pool of drivers, but the admin it saves can make it worthwhile for busy fleets.

Do I still need to record who drives?

Yes. Keeping accurate driver records and licence checks helps with claims and underwriting, even on an any driver basis.

Can I exclude high-risk drivers?

Insurers can restrict cover by age or convictions, and you can set your own internal rules, but you must follow the driver conditions stated in the policy.

Fleet

What is 'any driver' fleet insurance?

Any driver fleet insurance lets any qualifying driver use any vehicle in your fleet, without naming each person on the policy. Here is how it works.

Any driver fleet insurance lets any qualifying driver use any vehicle in your fleet, rather than naming each individual on the policy.

How any driver cover works

Because fleet insurance is usually rated on the vehicles rather than on named individuals, insurers can offer cover on an any driver basis. Staff can swap vehicles freely without you updating the policy each time, which suits businesses with rotating shifts, pool vehicles or a changing workforce.

Conditions insurers apply

Any driver does not mean anyone at all. Insurers still apply conditions, typically including:

A minimum and sometimes a maximum driver age
A valid, appropriate UK licence held for a set period
Limits on serious convictions or claims history

If someone drives who does not meet the conditions, they may not be covered, so it is worth making sure your team knows the rules.

Alternatives to any driver

The main alternatives are:

Any driver over a set age, often 25, which narrows the risk
Named driver cover, where each driver is listed on the policy

These can reduce the premium, but they mean more admin when drivers change.

Keeping records

Even with any driver cover, it is good practice to keep records of who drives which vehicle and to check licences regularly. This helps if there is a claim, and some insurers ask for it.

Choosing the right basis

Think about how much flexibility your team genuinely needs, then ask for quotes on that basis to balance convenience against price. With Kompare, you fill in a short form and a specialist FCA-authorised broker from our panel contacts you about fleet insurance quotes. Read how we work for more.