Free fleet tool
Fleet policy checker: which cover fits your vehicles?
Six quick questions about your vehicles, what they do and who drives them. You get the type of fleet cover that fits, the uses to mention and the driver questions worth raising with a broker.
- Free to use
- No sign-up
- Takes about two minutes
Question 1 of 6
Tip: use Tab and the arrow keys to choose, Space to tick, and Enter to move on.
How to use the fleet policy checker
The checker asks six short questions, one per screen. Pick the answer that matches how the business runs today, then press Next. Questions about vehicle types, uses and drivers let you tick more than one box, because most fleets are a mix. You can go back at any point and change an answer before seeing the result.
- Count the vehicles you want on one policy, including any you are about to add.
- Tick every vehicle type and every job the vehicles do, even occasional ones.
- Describe your drivers honestly, including younger drivers and anyone with points.
- Read the result, then copy or print the summary to keep alongside your quote notes.
Why the size of the fleet comes first
Fleet cover is built around one policy for several vehicles, so the number of vehicles decides which kind of policy is likely to be on the table. A sole trader with one van and a family car sits in a different place from a contractor with thirty vans. The result names the size band that fits and links to a page explaining how insurers usually treat it, from mini fleets up to large fleets.
Why the way you use the vehicles matters so much
Insurers price and accept risk by what a vehicle does, not just what it is. A van carrying your own tools is a different risk from the same van delivering parcels for a courier network. If the policy describes the use wrongly, a claim can be questioned. The checker turns your answers into the plain names brokers use, such as carriage of own goods or hire and reward, so the conversation starts on the right footing.
- Mixed vehicle types often point towards company fleet insurance.
- Paid deliveries in lorries point towards haulage cover.
- Customers' cars on the road point towards motor trade cover.
Drivers, history and staff cars
Whether drivers are named or covered on an any driver basis changes how the policy runs day to day. A settled team suits a named list; a changing workforce often suits any driver cover with an age limit. Drivers with points need declaring properly, and a business with no claims history in its own name may find some insurers more open than others. If staff drive their own cars for work, that sits outside the fleet policy and is covered under grey fleet arrangements.
When you have your result, the quote readiness checklist helps you gather the details a broker will ask for.