Fleet insurance comparison for UK businesses
Cheap fleet insurance for vans, lorries, cars and cabs
Describe your vehicles and the people who drive them, then get matched with specialist fleet brokers who can quote for the lot. From two work vans to a mixed fleet of lorries and taxis, comparing is free and there is no obligation to buy.
- Free to use, no obligation
- Specialist fleet brokers
- Vans, cars, HGVs and taxis
- FCA authorised partner
Mixed fleets welcomeCars, vans and lorries together
Your choice of driversNamed, age-limited or any driver
- Fleet insurance onlyEvery page and question is written for businesses running more than one vehicle.
- One set of detailsDescribe the whole fleet once instead of repeating it vehicle by vehicle.
- Specialist brokersQuotes come from brokers who arrange fleet cover day in, day out.
- Clear about moneyFree to you. We may be paid a commission, and it never changes your price.
Find your cover
What does your business put on the road?
Each kind of vehicle carries its own risks, and insurers price them differently. Start with the vehicles you run most, or pick a mixed fleet.
Van fleets
Panel vans, Lutons and tippers used for trade, delivery or service work.
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Company car fleets
Pool cars, sales cars and staff cars, with the driver basis that suits you.
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HGV and lorry fleets
Rigids and artics carrying your own goods or other people's.
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Courier and delivery fleets
Multi-drop and same-day vans that are on the road for a living.
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Taxi and private hire fleets
Saloons, MPVs and hackney carriages licensed to carry paying passengers.
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Minibus and coach fleets
Passenger vehicles for schools, charities, tours and airport runs.
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Trade fleets
Vans and pickups for builders, electricians, plumbers and other trades.
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Mixed fleets
Cars, vans and lorries brought together under a single policy.
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What is fleet insurance?
Fleet insurance covers several business vehicles on one policy instead of insuring each one separately. The insurer looks at the business as a whole: the vehicles, the work they do, the people behind the wheel and the fleet's claims record. Many insurers will consider a fleet from two or three vehicles, and cars, vans and lorries can often sit together.
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Is fleet insurance cheaper?
Often, though not always. Pricing the fleet as one risk can cost less than several single policies, and it cuts the admin. A small fleet with young drivers or recent claims may see little difference, so it is worth comparing both ways before you decide. Our guide to insuring two to four vehicles looks at this in more detail.
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Fleet policy or separate policies?
Both can work. This is how they usually differ for a business running several vehicles, so you can see which suits yours before you compare prices.
| What changes | One fleet policy | Separate policies |
|---|---|---|
| Paperwork | One set of documents and one point of contact | A policy, renewal and payment for each vehicle |
| Adding a vehicle | Usually added mid-term with a pro-rata charge | A new policy has to be arranged each time |
| Drivers | Named, age-limited or any authorised driver | Drivers listed separately on each vehicle's policy |
| Claims record | Built up by the business as a whole | Held against each policy or each driver |
| Vehicle types | Cars, vans and lorries can often share one policy | Each vehicle type insured on its own terms |
| How it is priced | On the risk of the whole fleet | Vehicle by vehicle |
Terms differ between insurers and are subject to their acceptance criteria. See our guide to multi-vehicle cover for fleets in between.
Fleets of every size
Fleet cover that grows with the business
What insurers focus on shifts as a fleet gets bigger. Here is roughly how it changes from your first few vehicles to a large operation.
Mini fleets
Each driver's own record counts for a lot. A family car can sometimes sit alongside a work van.
Mini fleet insuranceSmall fleets
The business's own claims record starts to shape the price more than any one driver.
Small fleet insuranceGrowing fleets
Insurers look more closely at driver checks, vehicle maintenance and how incidents are handled.
Multi-vehicle insuranceLarge fleets
Written driving policies, telematics and a steady claims trend carry real weight.
Large fleet insuranceJust starting out, with no claims history in the business name yet?
Fleet insurance for new businessesFleet cover by trade
Fleet insurance for your trade
Your trade shapes what the vehicles carry and where they go each day. Type it below to jump straight to the right page.
Construction
BuildersBricklayersCarpenters and joinersDemolitionGroundworksCivil engineeringScaffoldingRoofersBuilding services
ElectriciansPlumbersGas engineersHeating and air conditioningDrain clearanceLocksmithsUtilities and telecomsPainters and decoratorsCleaning and facilities
Commercial cleaningOffice cleaningCarpet cleaningFacilities managementSecurity companiesNo match for that trade. Try trade fleet insurance, which covers most trades.
How it works
How comparing fleet insurance works
- 1
Tell us about the fleet
Your vehicles, who drives them, what the fleet does and any recent claims.
- 2
We pass you to MyMoneyComparison.com
Our FCA-authorised partner matches you with specialist fleet brokers. You will see a short message while we hand you over.
- 3
A broker comes back to you
They approach insurers that take fleets like yours and talk you through the options.
- 4
You choose, or walk away
Weigh up cover, excess and price side by side. There is no obligation to buy.
My Cheap Fleet is an information site. We are not an insurer or a broker, and we do not search the whole market. See how we work and how we are paid.
Fleet guides
Plain-English fleet insurance guides
Why is my fleet quote higher than last year?
Common reasons include claims made during the year, new or younger drivers, more vehicles, a change in what the vehicles do, and higher repair costs across the motor market. Ask your broker which factors moved your price, then compare quotes to see how other insurers view the same fleet.
Does fleet insurance cover employees using their own cars for work?
Not usually. A fleet policy covers the vehicles listed on it. Staff using their own cars for work need business use on their personal policies, and some businesses add contingent cover to protect themselves. Our guide to grey fleet insurance explains how this works.
Can I choose which employees are allowed to drive?
Yes. You can usually name specific drivers, set a minimum age, or allow any driver you authorise. A narrower driver basis is often cheaper, while open driving suits fleets where staff change often. Each insurer sets its own age and experience terms.
What happens if one of my drivers gets points during the policy?
Tell your broker or insurer as soon as you know, as most policies ask you to. The insurer may adjust the premium, add an excess for that driver or, in some cases, exclude them. Leaving it undeclared can cause problems if that driver later has a claim.
Do I need telematics to get fleet insurance?
Not usually for smaller fleets, though some insurers ask for it on larger or higher-risk fleets. Even where it is optional, tracker and dashcam data can help you manage driving, recover stolen vehicles and settle disputed claims.
Will breakdown cover come with a fleet policy?
Not always. Some fleet policies include basic breakdown cover, others offer it as an extra, and some leave it out altogether. If a stranded vehicle means missed work, check what each quote includes before comparing on price alone.
Can I switch fleet insurer before my renewal date?
Usually, yes. You can cancel and move to a new insurer mid-term, although your current insurer may charge a cancellation fee and keep part of the premium. Weigh any fees against the new price before you switch.
Who will contact me after I compare?
When you continue to MyMoneyComparison.com, our FCA-authorised partner, it passes your details to a specialist fleet broker who will contact you about quotes. My Cheap Fleet does not sell insurance or give advice, and we may be paid a commission if you speak to a broker.