Guide
Employers' liability: what the law requires
Why almost every UK employer must hold at least £5 million of cover, and what happens if you don't.
Read guideCompare fleet insurance
Insure two or more business vehicles under a single policy. Compare UK fleet insurance for vans, cars and HGVs with one renewal date and simpler admin.
Compare fleet insurance quotesReady to compare fleet insurance?
Run a full market comparison before you commit. It takes about five minutes and there's no obligation to apply.
How fleet insurance works
Fleet insurance covers multiple business vehicles — cars, vans or HGVs — under one policy with a single renewal date, rather than insuring each vehicle separately.
It typically works out cheaper per vehicle than individual policies once you have three or more, and it simplifies admin because you're dealing with one insurer and one set of paperwork.
Cover can include any qualified driver or be restricted to named drivers, and most fleets combine comprehensive vehicle cover with goods-in-transit and public liability extensions.
What affects the cost of fleet insurance
- Number and type of vehicles in the fleet
- Named drivers versus any qualified driver cover
- Driver ages and claims/conviction history
- Vehicle usage — local delivery, long haul, carrying goods for others
- Telematics and driver safety measures in place
Why compare fleet insurance with us
Cheaper per vehicle
Fleet policies typically undercut insuring vehicles individually once you have 3+.
One renewal date
Simplifies admin and lets you add or remove vehicles mid-term.
Flexible driver cover
Choose named drivers or any qualified driver across the fleet.
Premiums by fleet size
Indicative annual premiums per vehicle for a mixed car and van fleet, excluding IPT.
| Fleet size | Vehicle type | Typical premium per vehicle |
|---|---|---|
| 3-5 vehicles | Cars and light vans | £700 - £1,400 |
| 6-15 vehicles | Cars and light vans | £600 - £1,200 |
| 16-30 vehicles | Vans and light HGV | £800 - £1,800 |
| 30+ vehicles | Mixed fleet with HGV | £900 - £2,500 |
Cover limit vs annual cost
Typical cost for a 10-vehicle van fleet used for local deliveries.
| Cover type | What it adds | Typical annual cost |
|---|---|---|
| Third party only | Minimum legal cover | £4,500 - £7,000 total |
| Third party, fire & theft | Adds fire and theft protection | £5,500 - £8,500 total |
| Comprehensive | Full accidental damage cover | £7,000 - £11,000 total |
| Goods in transit add-on | Covers goods being carried | £300 - £900 extra total |
Expert advice
Our team reviews UK commercial insurers, policy wordings and typical premiums throughout the year.
“Fleet insurance rewards good driver management. Telematics, regular vehicle checks and tackling poor claims history early can bring the whole fleet's premium down noticeably at renewal.”
fleet insurance: pros and cons
Pros
- Usually cheaper per vehicle than insuring separately
- One renewal date and simpler paperwork
- Easy to add or remove vehicles as the fleet changes
- Telematics can reduce premiums further over time
Cons
- Minimum vehicle numbers apply, typically two or three
- One poor driver's claims history can affect the whole fleet's premium
- Mixing very different vehicle types can push up the quote
How to choose a fleet insurance policy
Cover limits and exclusions vary a lot between insurers. Check these points before you buy.
- 1
Decide named driver vs any driver
Any qualified driver cover is more flexible but usually costs more than a named driver list.
- 2
Check goods-in-transit cover
If you carry stock or tools, make sure it's covered separately from the vehicle itself.
- 3
Ask about telematics discounts
Fitting trackers or dashcams can meaningfully reduce premiums, especially for delivery fleets.
- 4
Review the claims history of all drivers
One driver with recent claims can affect pricing across the whole fleet, not just their vehicle.
Compare fleet insurance
See what's available for your business today. It takes just minutes.
How to compare fleet insurance
It takes a couple of minutes and there is no obligation to buy.
1. Tell us about your business
Trade, turnover, headcount and the cover limits you need.
2. See matched insurers
We shortlist UK insurers and brokers who actually cover your trade.
3. Compare the full policy
Premium, excess, cover limits and exclusions — not just the headline price.
4. Buy your cover
Most policies can be arranged online with your certificate issued the same day.
Things to watch out for
Fleet policies usually require a minimum of two or three vehicles — smaller operations may need individual policies instead.
Undeclared use, such as using a van for hire and reward without telling your insurer, can invalidate a claim.
Adding a high-risk driver mid-term can increase your premium for the rest of the fleet, not just that vehicle.
Our fleet insurance service
We compare fleet insurance from established UK insurers and brokers so you can see premiums, limits and exclusions side by side.
Comparing is free, and we will say plainly when your existing policy already looks like good value.
Getting started
1
Check your renewal date
Start comparing four to six weeks before renewal so you don't auto-renew onto a higher price.
2
Gather your claims history
Insurers will ask about claims from the last three to five years.
3
Confirm your cover limits
Contracts and clients often set minimum limits you must hold.
Why choose Grow Your Business?
Wide choice of providers
We compare a broad range of UK providers so you can find the option that actually fits how your business operates.
Exclusive offers
We work hard to bring you exclusive deals, switching incentives and cashback where they're available.
Simple and fast
It takes just a few minutes to compare with us — and the deal you find could be well below what you pay today.
Types of fleet insurance
The right policy depends on your trade, size and the contracts you work under.
Car fleet
Covers company cars used by staff for business and commuting.
Van fleet
Covers delivery, trade and courier vans, often with goods-in-transit cover.
HGV and haulage fleet
Covers larger commercial vehicles, usually with specialist haulage insurers.
Mixed fleet
Combines cars, vans and specialist vehicles under one policy.
Providers we compare
Logos are shown for identification. We are not affiliated with every insurer listed and do not compare the whole market.
Simply Business
AXA
Aviva
Hiscox
Zurich
Allianz
Superscript
Markel
Direct Line for BusinessComparing with us is a no-brainer
“Moving our nine vans onto one fleet policy cut our admin and our premium in the same year.”
Karen, courier business owner, Glasgow
fleet insurance guides
Guide
Public liability claims that catch businesses out
The everyday incidents — a spilt drink, a dropped tool, a tripped customer — that lead to six-figure claims.
Read guide
Guide
Cyber cover after a ransomware attack
What a typical cyber insurance claim pays for, from forensics to ransom negotiation and lost income.
Read guidefleet insurance FAQs
How many vehicles do I need for a fleet policy?
Most insurers set a minimum of two or three vehicles, though some specialist fleet insurers will consider smaller fleets.
Is fleet insurance cheaper than insuring vehicles separately?
Usually, yes, once you have three or more vehicles, because insurers price the risk across the whole fleet rather than vehicle by vehicle.
Can I add a new van to my fleet policy mid-term?
Yes, most fleet policies let you add or remove vehicles during the policy year, with the premium adjusted accordingly.
Does fleet insurance cover goods being carried?
Not automatically — you usually need to add goods-in-transit cover to protect stock, tools or equipment carried in the vehicles.
Written by the Grow Your Business editorial team · Updated 26 July 2026