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Fleet insurance

Cover 2 or more vehicles with our partner Quote Me Today

  • Specialist cover from our trusted partner Quote Me Today

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

  • Get a single policy to cover your entire fleet of business vehicles

What is fleet insurance?

Fleet insurance covers 2 or more of your business vehicles under a single policy. If you have more than 1 van that needs to be covered, fleet insurance covers all your vehicles under 1 policy.

Having 1 policy means all vehicles have a single renewal date and the same level of cover. This means you don’t have to worry about dealing with separate renewal dates or managing different levels of cover.

Fleet insurance isn’t just convenient, it could also save you money. Having individual policies for each of your vehicles is usually more expensive. But having everything under a single policy means it could work out cheaper.

You can register your vehicles in:

  • The company name
  • The name of a partner
  • The name of a director of the company.

If you’re looking to cover a single vehicle for your business, you need a standard business van insurance policy.

What does fleet insurance cover?

Depending on the level of insurance you choose, it can provide cover for your vehicles and their drivers if they’re involved in an accident or if one of the vehicles is stolen. It can also cover the cost of damage to other cars if one of your vehicles is involved in an accident and your driver is at fault.

Our partner, Quote Me Today, specialises in tailor-made, flexible cover that can meet your business needs. You can add or remove vehicles at any time and even have mixed types of vehicles on the same policy.

What your fleet is covered for also depends on what add-ons you choose for your policy. These include:

If you’ve got several drivers at your business, you’ve got 2 options for how to cover them.

  • With a named driver’ policy, each vehicle has an assigned driver
  • With an any driver’ policy, any driver is covered to drive any vehicle

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

‘Any driver’ cover is more flexible and works well if your business needs multiple drivers to drive multiple vehicles. But it’s the more expensive option.

What doesn't it cover?

What you’re not covered for varies depending on your policy. But in general, it’s unlikely you’ll be covered for:

  • Damage caused by general wear and tear
  • Uninsured goods in your driver’s vehicle
  • Electrical or mechanical failures
  • Theft from your vehicles where goods were left on display or left out in the open
  • Theft where doors were left unlocked or keys were left inside the vehicle

What levels of cover are available?

There are 3 levels of cover you can choose from:

  • Third-party only is the minimum legal requirement to drive and has the most basic level of cover. It provides cover for damage to other people and their property
  • Third-party, fire and theft covers everything that third-party does with the added protection of covering damage to your vehicle by fire or theft.
  • Comprehensive is the highest level of cover. It includes everything the previous levels cover as well as protection for your drivers and your vehicles.

It's also cheaper than the other 2 options. According to our data a comprehensive policy for 1 van costs £772(1). Compare that to a third-party fire and theft policy, which costs £1,083(1), and third-party cover that costs £1,640(1).

Quote Me Today builds their fleet policies on an individual basis, and tailors each policy to your business needs. You can add or remove vehicles, or amend levels of cover at any time.

Please note, if you're looking to cover more than one van with a fleet policy, prices will vary.

1Confused.com data November 2023 - April 2024

How many vehicles count as a fleet?

A fleet starts at 2 vehicles and can go up into the hundreds.

The number of vehicles you can include on a 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 fleet policy.

What our van insurance expert says

"If you have several vehicles in your fleet, it’s worth checking that your insurer offers you an 'any vehicle' fleet insurance policy. This means your whole fleet is covered if you need to make claim.

Insuring multiple vehicles under one policy usually works out cheaper than each van having individual cover. It's also convenient when they come up for renewal as you have just one policy to renew."

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

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

What types of vehicles are covered?

Fleet insurance covers a range of vehicles, including:

If your policy covers ‘any vehicle’, it’s worth checking the terms. Some insurers might exclude some vehicles such as:

  • Forklift trucks
  • Excavators

You can also cover different types of businesses, including:

What are the pros & cons of fleet insurance?



  • It’s easier to arrange insurance on multiple vehicles as there’s only 1 renewal date
  • Insuring multiple vehicles is usually cheaper than insuring them individually
  • You can insure all drivers on every vehicle with an ‘any driver’ policy
  • You can add more vehicles as your business grows


  • High-mileage drivers might pay more
  • Drivers with poor driving histories may drive the cost of your policy up
  • It's harder to manage your finances with varying monthly costs, depending on how much you drive

How do I reduce the cost of fleet insurance?

Factors that affect how much you pay include the:

  • Size of the fleet
  • Type of vehicles
  • Class of use
  • Claims history of your fleet
  • Age of your drivers
  • Type of cover
  • Excess
  • Security of your vehicles

The size of the fleet impacts your cost. The more vehicles you have, the greater the risk to the insurer.

The type of vehicles in the fleet could determine how risky your policy is. The value, power and security of the vehicles can affect the price of the policy.

The class of use for your fleet is important. A fleet of vans used by taxi drivers is likely to be more expensive than a fleet of cars used to travel to multiple sites.

The claims history of your fleet means the more claims your business has made, the more insurers might view you as a risk. This could then increase the price of your policy. Particularly high-risk drivers might be better off on a separate policy.

The age of your drivers is an important factor insurers will take into account. Younger, less experienced drivers are a higher risk and could drive your insurance costs up. For example, our data shows that the average comprehensive insurance policy cost for a van driver aged between 17 - 20 is £3,905(2). But for someone in the 26 - 30 age group it's £1,127(2), on average.

The type of cover you choose can affect how much you pay. A comprehensive policy is usually cheaper than any of the lower levels of cover.

The excess you pay you pay is also something insurers consider. Paying more voluntary excess could decrease your costa as it shows insurers you're only likely to claim when it's worth it.

The security of your vehicles is something you could improve to lower your insurance costs. This lowers the risk of the vans being stolen, damaged or vandalised.

2Confused.com data November 2023 - April 2024

How do I get a fleet insurance quote?

You can get started in just a few steps:

  • Select 'Get a fleet quote' or call or call Quote Me Today on 01227 285 455
  • Fill in the quote form with some details including your name, date of birth and contact details
  • Our trusted partner Quote Me Today will contact you to discuss your fleet and what kind of policy you need

If you're happy with your quote, you can get cover immediately. You can also add and remove vehicles with ease, giving you flexibility over your policy.

Who is Quote Me Today?

Quote Me Happy is a UK-based commercial insurance broker. They provide tailor made insurance solutions for a wide range of customers and businesses but specialise in the motor trade, commercial and business sectors.

Like us, Quote Me Today are regulated by the Financial Conduct Authority. This means they work to a strict set of rules that helps ensure customers are treated fairly.

Their customers have rated them 'Excellent' on Trustpilot.

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Page last updated: 10 May 2024

Reviewed by: Louise Thomas

Confused.com Fleet insurance is arranged and administered by Quote Me Today Ltd who are authorised and regulated by the Financial Conduct Authority No: 786619. Registered office, 2nd Floor 5-10 Sparrow Way, Lakesview International Business Park, Hersden, Canterbury, Kent, United Kingdom, CT3 4JH Registered in England and Wales, No: 04668665. Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission, which is a flat rate fee from QuoteMeToday.co.uk if you decide to buy through their website.