Cover all of your fleet under one policy that’s tailored to your business

Fleet Insurance is a single motor insurance policy that covers multiple business vehicles under one agreement.

Rather than managing separate policies, renewal dates, and different insurers for each vehicle, a fleet policy consolidates everything; one premium one renewal date, and one insurer to deal with for claims and changes.

Vehicles can typically be added or removed during the policy term as your fleet grows or changes, without needing to start again from scratch.

At RightSure For Business, our specialists compare quotes from a panel of leading UK insurers to find the right fleet policy for your business.

Most UK insurers offer fleet cover from as few as two or three vehicles. Smaller operations of two to five vehicles are typically classified as a mini fleet, while six to fifteen is generally considered a small fleet.

Larger operations fall into medium and large fleet territory, where insurers assess the overall risk profile of the entire portfolio rather than pricing each vehicle individually, which is often where the most significant cost savings emerge.

Whatever your fleet size, RightSure For Business can arrange appropriate cover.

A comprehensive fleet insurance policy can cover your vehicles against accident damage, theft, fire, and third-party liability.

Depending on your policy, it can also include, public liability, breakdown assistance, courtesy vehicles while your fleet vehicle is being repaired, windscreen cover, and tool protection for items carried in your vehicles.

Cover can also extend to the EU and other selected countries for businesses that operate internationally.

With a named driver policy, each vehicle has a specific, listed driver assigned to it, only those named individuals can drive that vehicle.

With an any driver policy, any authorised employee can drive any vehicle in the fleet without needing to be individually listed.

Named driver policies are generally more cost-effective for smaller fleets where drivers consistently use the same vehicle.

Any driver policies offer greater operational flexibility, particularly useful if your business has multiple staff sharing vehicles, but typically attract a higher premium.

Our fleet specialists can help you identify which approach best suits your business setup.

Yes. One of the key advantages of fleet insurance is its flexibility to cover different types of vehicles under a single policy.

Cars, vans, motorcycles, HGVs, and specialist vehicles can all be included together, which is particularly useful for businesses that operate a variety of vehicle types.

You’ll need to provide details of each vehicle when arranging the policy, but a mixed fleet policy removes the complexity of managing separate policies for each vehicle type and typically works out more cost-effective overall.

There are several practical ways to lower your fleet insurance premiums.

Employing experienced drivers, particularly those over 25 with clean driving records, generally results in lower premiums, as younger or less experienced drivers increase assessed risk.

Maintaining your vehicles in good condition through regular servicing reduces accident risk and can help keep costs down. Installing telematics (GPS tracking and driver behaviour monitoring) has been shown to reduce accident rates significantly and is increasingly rewarded by insurers with lower premiums.

Maintaining a strong claims history by managing risk actively is also one of the most effective long-term ways to reduce fleet insurance costs.

Standard fleet policies typically cover vehicles owned or leased by the business, not employees’ personal vehicles used for work purposes.

If your staff regularly use their own cars for business journeys, you may need to arrange separate business use cover or a drive other cars extension.

It’s important to check this carefully, as gaps in cover for employees driving personal vehicles on business trips can leave both the employee and the business exposed. Our fleet specialists can review your specific situation and advise on the most appropriate arrangement.

Yes, one of the practical advantages of fleet insurance over individual vehicle policies is that vehicles can usually be added or removed during the policy term without starting the policy again from scratch.

This is particularly useful for growing businesses or those with seasonal fleet requirements.

Premium adjustments will be made on a pro-rata basis to reflect the change in the number of vehicles covered. When adding high-value, specialist, or high-performance vehicles, it’s worth checking with your insurer whether any additional conditions apply.

Yes, electric vehicles (EVs) can be included in a fleet insurance policy, and many insurers are now more confident in covering EVs as the market matures and claims data improves.

However, it’s worth noting that EV fleet vehicles may attract a slightly higher premium than equivalent petrol or diesel vehicles, reflecting factors such as battery replacement costs and specialist repair requirements.

If your fleet includes EVs or you’re planning a transition to electric vehicles, it’s important to confirm with your insurer that battery cover is included for accidental damage as well as fire and theft. Our team can help you arrange appropriate cover for mixed or fully electric fleets.