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Fleet insurance

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  • Specialist cover from our trusted partner Quote Me Today

  • Fill in a short quote form or request a call back to get a quote

  • Choose between any driver or a named driver fleet insurance policy

What is fleet insurance?

Fleet insurance provides cover for all your business vehicles. This saves you the stress and hassle of arranging cover for each vehicle individually.

You can register these vehicles in the company name, or the name of a partner or director of the company. This allows you to have one policy to cover your whole business.

It also saves you having to keep track of several individual insurance policies. Plus, it could mean you pay less overall for your fleet's car or van insurance policies.

How many vehicles count as a fleet?

A fleet of vehicles can start at just two and go up into the thousands.

The number of vehicles that you can include in a commercial fleet insurance policy varies between providers. Each provider sets its own minimum and maximum numbers.

For particularly small or large fleets you might need a specialist motor fleet insurance policy.

What vehicles are covered by fleet insurance?

Fleet insurance can cover a range of vehicles, including:

  • Cars
  • Vans
  • Heavy good vehicles (HGVs)
  • Plant vehicles

Your policy can cover a combination of vehicle types. But if it covers ‘any vehicle’, it’s worth checking the specifics. Occasionally, an insurer might exclude some vehicles from the policy, such as motorbikes, forklift trucks and excavators.

You can also cover different types of businesses, including haulage, private hire, and courier.

What does fleet insurance cover?

Fully comprehensive fleet insurance provides cover for your vehicles and their drivers if a vehicle is stolen or involved in an accident. It also covers the cost of damage to other cars when one of your vehicles is involved in an accident and your driver was at fault.

You can buy cheaper fleet insurance on a third-party basis but you'll only be covered for damage to other vehicles. Third-party fire and theft goes one step further and pays out if one of your vehicles is stolen or damaged in a fire.

You might also be able to include the following:

  • Employer liability cover
  • Trailer cover
  • Public liability
  • Courtesy car extension
  • Goods in transit cover
  • Tools cover
  • Breakdown cover

Visit our specialist partner Quote Me Today for a fleet insurance quote

Should I choose an ‘any driver’ or ‘named driver’ policy?

With an ‘any driver’ policy, any driver can drive any vehicle.

With a ‘named driver’ policy, each vehicle has an assigned driver.

Any driver policies are more flexible. They work best if your business needs your employees to drive multiple vehicles. These kinds of policies are usually more expensive.

If your business is smaller or your drivers tend to drive the same vehicle, a named driver policy is typically more cost-effective.

What are the pros & cons of fleet insurance?


It’s easier to arrange insurance on multiple vehicles as there’s only one renewal date. So, you’ll save time on admin.

Insuring multiple vehicles is usually cheaper than insuring them individually.

You can insure all drivers on every vehicle with an ‘any driver’ policy. This means that drivers will have access to all vehicles, which saves them waiting around for a certain vehicle to be free.

You can add more vehicles as your business grows.


One accident could affect the premiums of all vehicles on the policy. So if you have a particularly accident-prone driver, you could put them on a separate policy.

If you don’t update your policy and you need to make a claim, it could be invalid. Especially in larger fleets, vehicles can come and go regularly. So be sure to stay on top of your details.

Cost savings tend to be less significant for smaller fleets.

Younger drivers can push up your costs so it might make sense to insure them separately.

There may be restrictions on how you use your vehicles, for example personal use might not be covered.

How much does fleet insurance cost?

Several factors affect the price you pay for fleet insurance. These include:

  • The number of vehicles
  • The type of vehicles you own
  • The vehicles' class of use
  • The claims history of your fleet
  • The age of your drivers

Fleet insurance should work out cheaper than individual insurance, but the cost saving tends to be greatest on larger fleets.

It's worth comparing quotes for fleet insurance as well as for individual policies on your vehicles. Depending on the size of your fleet, it could work out more cost-effective to cover the vehicles individually.

How to get cheaper fleet insurance

When it comes to cutting the cost of fleet insurance, it’s all about reducing risk. You may be able to do this by:

  • Using electric or hybrid vehicles
  • Employing drivers with clean records aged 25 and over
  • Sending your drivers on an advanced driving course
  • Carrying out regular maintenance on your vehicles
  • Making drivers responsible for paying their own excess
  • Adding additional security to your fleet
  • Considering black box technology
  • Installing a dashcam

Electric or hybrid vehicles could reduce your insurance costs. The engines on these vehicles generally have less power than in petrol or diesel-powered vehicles, so they’re considered safer by insurers. Their CO2 emissions are lower too.

Employ drivers with clean records that are over the age of 25 as their costs tend to be lower. Having a younger driver is sometimes unavoidable. But limiting their mileage and only allowing them to drive in the daytime or while accompanied could help to reduce costs.

Sending your drivers on an advanced driving course increases their awareness of hazards and helps eliminate bad driving habits. These courses help improve aspects of driving like fuel efficiency, driving in bad weather conditions and hazard perception. A safer driver is a lower-risk driver, which could help reduce your insurance costs.

Regular maintenance is important for any vehicle. Encourage daily tyre pressure, oil and brake pad checks and keep a regular service record. This can help keep your vehicles in good condition.

Making drivers responsible for paying their own excess could encourage safer driving.

Providing security options for your vehicles overnight, like a CCTV-monitored car park or locked garages, could lower your insurance costs. Immobilisers inside the vehicle also help, even if the initial cost is expensive.

Technology in the vehicle could be beneficial to reducing your costs. A black box can assess each individual driver to see how safely they drive and adjust their insurance costs accordingly.

Dashboard cameras or dashcams are also useful tools as they record everything that happens on the road. You can fit these in the front and back of the vehicle and they're great for providing evidence if there's an accident.

What our van insurance expert says

If you’ve got a variety of vehicles in your fleet, it’s worth checking that your insurer is offering you an “any vehicle” fleet insurance policy. This will mean your whole fleet is covered if you need to make claim.
Head of van insurance signature

Dan McCulloch

Head of van insurance

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