Car Fleet
Insurance

What is Car Fleet Insurance?

Car Fleet Insurance provides comprehensive coverage for businesses operating multiple vehicles. Whether you run a delivery service, taxi firm, logistics company, or manage a corporate fleet, this insurance ensures all your vehicles are protected under a single, cost-effective policy.

For small businesses, large enterprises, and fleet operators, Car Fleet Insurance simplifies management, reduces costs, and ensures compliance with legal requirements.

Who Needs Car Fleet Insurance?

Any business that owns or operates multiple vehicles should consider Car Fleet Insurance. This includes:

• Courier & Delivery Companies – Protection for vans and delivery vehicles against accidents and liability claims.
• Taxi & Private Hire Firms – Ensures seamless cover for all company-owned cars and drivers.
• Logistics & Haulage Businesses – Covers lorries, HGVs, and other transport vehicles against road risks.
• Construction & Trade Fleets – Essential for businesses using multiple work vans or company vehicles.
• Corporate & Sales Teams – Comprehensive coverage for company cars used by employees.

Why is Car Fleet Insurance Important?

Managing individual vehicle policies can be costly and time-consuming. Car Fleet Insurance streamlines coverage, reduces administration, and ensures business continuity in case of accidents or claims.

Key benefits include:

• Cost Savings – A single fleet policy is often cheaper than insuring vehicles separately.
• Flexible Driver Cover – Option for ‘Any Driver’ policies, allowing multiple employees to drive insured vehicles.
• 24/7 Protection – Coverage for theft, damage, accidents, and liability claims.
• Streamlined Management – One renewal date and simplified admin for your fleet.

What’s Covered in Car Fleet Insurance?

Car Fleet Insurance policies typically include:

• Comprehensive, Third Party, Fire & Theft, or Third Party Only Cover – Choose the level of protection that suits your fleet.
• Liability Cover – Protection against third-party claims for injury or damage.
• Breakdown Assistance – Optional add-on for roadside recovery.
• Windscreen & Glass Cover – Protection against costly repairs or replacements.
• Replacement Vehicles – Minimise downtime with courtesy vehicles.

What’s Not Covered?

• Personal use of fleet vehicles outside business purposes (unless specified in policy).
• Wear and tear or mechanical failure.
• Uninsured drivers or those without proper authorisation.

Additional Cover You May Need

Depending on your business operations, you may need additional cover such as:

• Goods in Transit Insurance – Protects cargo and transported goods.
• Employers’ Liability Insurance – Cover for employee injuries while driving company vehicles.
• Public Liability Insurance – Protects against claims for damage or injury caused by your fleet.
• Business Interruption Insurance – Cover for lost income if your fleet is out of action.

At Insurably, we have access to 100s of insurer markets, meaning that no matter how unique your fleet requirements are, we know where to find the right cover to suit you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.