Free fleet tool
Fleet insurance quote comparison sheet
Put up to four fleet quotes side by side using the figures from your own paperwork, and see the total cost of paying monthly, the excess per claim and the cost of a year with one claim.
- Free to use
- No sign-up
- Uses only your figures
Copy the figures from quotes you already have into the columns below. The sheet only works with what you type: it does not fetch prices or judge which quote suits your fleet.
marks the lowest figure entered on that row. Lowest is not necessarily the right choice: cover, excesses, driver basis and conditions can differ from one quote to the next.
Before deciding, the fleet insurance renewal planner helps you leave enough time to ask follow-up questions, and the fleet quote readiness checklist covers what brokers need from you.
Why the headline premium only tells part of the story
Two fleet quotes can sit close together on price and still behave very differently on a bad day. One may carry a higher compulsory excess on every claim, another may cost noticeably more if you spread the payments, and a third may leave out goods in transit or a courtesy vehicle that the others include. Reading the documents one after another makes those differences easy to miss.
This sheet lines the quotes up row by row, so the same item from each quote sits side by side. It also works out a few figures that rarely appear on the paperwork, such as the total you pay if you choose monthly instalments and the cost of a year that includes one claim.
How to fill in the sheet
- One column per quote. Start with two and add up to four. Removing a column moves the later quotes left and re-letters them.
- Copy figures exactly. Take the annual premium, deposit, monthly instalment and number of instalments straight from each quote, including any fees the quote shows as part of the price.
- Add both excesses. The compulsory excess is set by the insurer; the voluntary excess is any extra amount you agreed to carry.
- Record the cover details. Cover level, driver basis and the extras rows show what is actually included. Choose Not stated where a quote is silent, as that is a question for the broker.
- Use the notes. Conditions such as a tracker requirement, overnight parking terms or higher excesses for younger drivers belong here.
Reading the worked-out rows
- Total if paying monthly adds the deposit to every instalment.
- Monthly vs annual difference shows what spreading the cost adds compared with paying in one go.
- Total excess per claim adds the compulsory and voluntary excess together, which is what you would usually pay towards each claim.
- Cost in a year with one claim adds that excess to the annual premium. It is a simple way to see how a low premium with a high excess compares with the reverse.
The lowest figure on each money row is marked, but lowest is not necessarily the right choice. A quote with narrower cover, a restricted driver basis or tighter conditions can look lower simply because it does less.
Questions worth asking before choosing
- Do excesses rise for younger or newer drivers, or for particular vehicle types?
- Is windscreen damage subject to its own, separate excess?
- Does the goods in transit limit match the value usually on board?
- Is the courtesy vehicle a van, or only a car?
- Are there security or overnight parking conditions that every vehicle can meet?
Starting early leaves time for these conversations; the renewal planner sets out a timeline, and the quote readiness checklist helps every broker quote on the same information.