Compare cheap fleet insurance without cutting the cover you need
Tell us about your vehicles and drivers once. Your details go to specialist fleet brokers who look for cover that fits how your business runs, at a price that makes sense for it.
- Fleet insurance only
- Free to use
- No obligation to buy
- Cars, vans, lorries and mixed fleets
Cheap fleet insurance means paying a fair price for the right cover, not stripping a policy back until it fails you. The price of a fleet policy comes down mainly to the vehicles you run, what they are used for, who drives them and your claims history. Comparing specialist fleet brokers shows how differently insurers price the same fleet.
Compare the cover before you compare the price
Two fleet quotes can look similar and still protect you very differently. Start with the cover level, the driver basis and the extras, then weigh up the premium. Our guide to fleet cover levels and extras goes into more detail.
| Cover level | Other people and their property | Fire and theft of your vehicles | Damage to your own vehicles | Often chosen for |
|---|---|---|---|---|
| Comprehensive | Yes | Yes | Yes | Newer or higher-value vehicles, and fleets on finance or lease |
| Third party, fire and theft | Yes | Yes | No | Older vehicles where a write-off would not hurt the business much |
| Third party only | Yes | No | No | Low-value vehicles, and the legal minimum for driving in the UK |
| Driver basis | Who can drive | Effect on price | Suits |
|---|---|---|---|
| Named drivers | Only the people listed on the policy | Usually the lowest | Small fleets where the same people always drive |
| Any driver with an age limit | Anyone you authorise above a set age, such as 25 or 30 | Middle ground | Growing teams and shift work |
| Open driving | Any driver you authorise, often from 21, subject to the insurer's terms | Usually the highest | Busy fleets with changing staff or agency drivers |
| Extra | What it does | Worth asking about if |
|---|---|---|
| Goods in transit | Covers the goods you carry against loss or damage | Your vehicles carry stock, tools or customers' goods |
| Breakdown cover | Roadside help and recovery for fleet vehicles | A stranded vehicle means missed jobs or deliveries |
| Courtesy or hire vehicle | A replacement vehicle while yours is repaired | The business cannot run a vehicle short |
| Legal expenses | Help with costs of recovering uninsured losses | You want support claiming back costs after a non-fault accident |
| Windscreen cover | Glass repair or replacement, often without affecting claims history | Your vehicles cover long motorway distances |
Cover and options differ between insurers. Always check the policy documents with each quote.
What brokers look at as your fleet grows
Insurers price a two-van firm and a fifty-vehicle operation in different ways. Here is what usually carries the most weight at each stage.
Small fleets2 to 4 vehicles
Each driver's own history counts for a lot, because there is little fleet claims data yet. A family car and a work van together may suit a mini fleet policy.
Growing fleets5 to 20 vehicles
Your fleet claims record starts to matter more than individual drivers. Adding vehicles mid-term without fuss becomes important. Just starting out? See fleet cover for new businesses.
Larger fleets21 vehicles and above
Insurers look closely at claims patterns, driver management and risk controls. Telematics data and a written driving policy carry real weight.
Mixed company fleetscars, vans and lorries together
One policy can hold different vehicle types, but each needs the right class of use. Staff using their own cars for work are a grey fleet and need checking too.
Fleet insurance by vehicle, size and driver
Each type of fleet is priced on different things. Pick the page closest to yours for what insurers look at and what to have ready before you compare.
By vehicle
By fleet size
Find fleet insurance for your trade
What your vehicles carry and where they go shapes the price. Type your trade to jump straight to its page, or browse trade fleet insurance as a whole.
Construction
Building services
Property and outdoor
Cleaning and facilities
Transport and delivery
Food, drink and retail
No match. Try trade fleet insurance or contact us.
Why we only cover fleet insurance
General comparison sites are built around one driver and one car. A fleet is different: several vehicles, several drivers, a business use and a claims record that belongs to the company. Focusing on fleet alone means every guide, question and quote route on this site is written for that situation.
- Plain-English guides on pricing, drivers, claims and cover
- A quote route to brokers who arrange fleet cover every day
- Clear about how we are paid and what we do not do
We are not an insurer or a broker and we do not search the whole market. See how My Cheap Fleet works and is paid, or browse tips on running a safer, lower-risk fleet.
From one form to a fleet policy
Tell us about the fleet
Vehicles, drivers, how they are used and your claims history. It takes a few minutes.
Speak to a fleet broker
A specialist broker reviews your details and approaches insurers that accept fleets like yours.
Compare and decide
Weigh up cover, excess and price. There is no obligation to go ahead with any quote.
Latest fleet insurance guides
Practical reading for fleet managers and business owners. Browse all fleet insurance guides or jump to a topic.
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Cheap fleet insurance questions, answered
Is a fleet policy cheaper than insuring each vehicle on its own?
Often it can be, but not always. One fleet policy can cost less than several single-vehicle policies because the insurer prices the business as a whole and you deal with one renewal. A very small fleet with young drivers or recent claims may find the gap is narrow, which is why it is worth comparing both routes.
How many vehicles do I need before I can get fleet cover?
It depends on the insurer. Some specialist fleet insurers and brokers will quote from two vehicles, while others start at three or more. If you run a family car and a work van, some brokers can also look at a mini fleet.
Is the cheapest fleet quote always the best one?
Not necessarily. A low price can come with a high excess, a narrow driver basis or a class of use that does not match the work your vehicles do. Comparing the cover, the excess and who can drive gives a truer picture than the premium alone.
Can drivers under 25 be included on a fleet policy?
Usually yes, but expect it to affect the price. Many fleet policies set a minimum driver age, and some insurers will accept younger drivers by name if they have suitable experience. Telling the broker who actually drives helps them find insurers that accept your team.
Will a telematics box bring my fleet premium down?
It can help over time. Some insurers take telematics and dashcam data into account at renewal, and the footage can help settle disputed claims. Whether it changes the price straight away depends on the insurer.
Can I spread the cost of fleet insurance monthly?
Many brokers offer monthly payments, usually through a credit agreement. Paying monthly can cost more overall than paying once a year, so it is worth asking for both figures when you compare quotes.
When should I start comparing before my fleet renewal?
A few weeks before your renewal date is a sensible point. It gives brokers time to approach insurers, gather your claims experience and come back with options, rather than rushing a decision in the final days.
Does My Cheap Fleet sell insurance?
No. My Cheap Fleet is an information website. When you ask for quotes, your details go to MyMoneyComparison.com, which introduces you to specialist fleet brokers. The broker you speak to arranges the cover.
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