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Fleet
Insurance

Independent service from your local insurance specialists

Need a fleet insurance quote?  Let the independent specialists at your local Coversure office compare their markets to find you quality motor fleet insurance protection.  If you have two or more vehicles needing protection, your local Coversure office can tailor cover to your needs, so start your quote today.

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What Is Fleet Insurance?

Fleet insurance is a flexible policy that gives owners of multiple vehicles an easy way to insure them all on one policy. Fleet insurance through Coversure is available to businesses with two or more vehicles and can cover a wide range of motors, including:
  • Cars
  • Vans
  • Taxis
  • Plant and construction equipment such as diggers and trailers
  • Agricultural vehicles, including tractors and teleporters

What To Look For In A Fleet Insurance Policy

Your local Coversure office will help you get the cover you need, but your policy’s contents will depend upon things like:

  • The number of vehicles you have
  • What kind they are
  • The nature of your business
  • Who will be driving your vehicles

Ideally, you want a fleet policy that offers you:

  • The flexibility to add and remove drivers and vehicles as you need to
  • A flexible level of excess that can help reduce your premiums
  • Cover for any authorised driver with discounts for drivers over 25 or 30 years of age
  • Uninsured loss recovery insurance up to £100,000
  • Discounts for additional vehicles
  • Cover that’s underwritten by major UK insurers and wholesalers
  • European cover options (if required)
  • An amount of cover for radios and stereo equipment
  • An affordable amount of excess on broken windscreen claims

What Are The Benefits Of Fleet Insurance?

There are many benefits to having this type of policy in place, the principal ones being that you could:

  • Save money – insuring multiple vehicles on a single policy could mean significant cost-per-vehicle savings
  • Save time – with only one policy to administer and renew; a fleet policy could save you time as well as money
  • Enjoy greater vehicle flexibility – you can add or remove vehicles and drivers as you need to without getting a new quote and policy.  You can also insure your entire team to drive your vehicles
  • Get cover for complex driving risks – whether you need cover for young or newly qualified drivers or even those with a chequered claims history, an any-driver policy could enable you to insure the drivers you need more easily

What Sort of Vehicles Can Be Covered by a Fleet Insurance Policy?

Fleet insurance is a flexible policy that allows owners and drivers of more than two vehicles to manage their cover easily.  It can protect:

  • Cars
  • Vans
  • Taxis
  • Motorbikes and scooters
  • Trucks and lorries
  • Plant and other construction vehicles
  • Cherry pickers
  • Steam rollers
  • Mobile cranes
  • Tractors and farm vehicles
  • JCBs, diggers, and other excavating equipment
  • Forklifts

If you’d like some advice or a fleet insurance quote built around your vehicles, please get in touch with your local Coversure office.  They’ll be happy to give you the help you need to protect your fleet.

How Much Does Fleet Insurance Cost?

The cost of your policy will depend on several factors, including:

  • Drivers’ age
  • The type of vehicles you’re looking to insure
  • The number of vehicles you have
  • Your claims history
  • Whether you want to pay monthly or annually – annually will usually be cheaper
  • Your no claims bonus

How Can You Save On Fleet Insurance?

  • Completing a risk assessment with your broker and seeing where you can save money
  • Consider young driver risks by only allowing them to drive when accompanied or in daylight
  • Renewing your policy early so giving your broker time to shop around for you
  • Saying yes to a higher excess
  • Securing your vehicles and using technology such as vehicle trackers, dashcams, and telematics
  • Putting your drivers on driver training courses – a recent Department of Transport report on driver training suggested if drivers had better hazard perception training, it could lead to an 11% reduction in collisions, and fewer collisions can mean fewer claims and lower premiums
  • Combining related insurances such as business and liability insurance with your fleet cover

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Fleet cover for you.

Fleet Insurance FAQ

Fleet can be a complex area of cover, so to help you get the protection you need, here are Coversure’s fleet insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, talk to the team at your local Coversure insurance office

No, though obviously, your vehicles will need to be insured to be road legal

No, it can cover everything from cars to trucks to plant equipment

If you have two or more vehicles, then you can get a fleet insurance quote

Yes, we can help EV drivers get cover

Getting a quote is easy; contact your local Coversure or start your fleet insurance quote

Need a Fleet Insurance quote?

If you’d like a Fleet Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Commercial Vehicle

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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