Car fleet insurance for company, pool and sales cars
Several business cars on one policy, with one renewal date and driver options set across the fleet. Fill in one short form to be put in touch with specialist brokers who arrange car fleet cover for UK businesses.
- Company cars and pool cars
- Named or any driver options
- Commuting and personal use
Car fleet insurance in brief
Car fleet insurance is one motor policy that covers several cars owned or leased by a business, instead of a separate policy for each car. It is used for company cars, pool cars and sales fleets, and many insurers offer it from as few as two or three cars, depending on the insurer.
The policy sets out who may drive, what each car may be used for and the level of cover, all on one schedule. Cars can usually be added or removed during the year, with the premium adjusted.
Who it is for
Which businesses use car fleet insurance?
Car fleet cover suits any business that runs several cars, from a few pool cars at one office to company cars spread across the country.
Class of use
What can company cars be used for on a fleet policy?
Every car on the fleet is insured for set uses. A car used for commuting and client visits needs both on the policy, or a claim made on that journey may be refused.
- Social, domestic and pleasure: Personal use, such as evenings and weekends, for staff who keep a company car at home.
- Commuting: Driving between home and a usual place of work. Not every policy includes it, so it is worth checking.
- Business use: Driving to clients, sites, meetings and appointments as part of the job.
- Business use for named drivers only: Some policies limit business use to listed drivers, which matters for pool cars.
Car fleets do not usually carry goods or passengers for payment. If any car is used for deliveries, courier work or taxi work, that needs its own cover.
Levels of cover
Comprehensive, third party, fire and theft, or third party only
The level of cover decides what happens when one of your own cars is damaged. Insurers usually set one level across the fleet, though some allow it to vary by car.
| What is covered | Comprehensive | Third party, fire and theft | Third party only |
|---|---|---|---|
| Injury to other people | Yes | Yes | Yes |
| Damage to other people's vehicles and property | Yes | Yes | Yes |
| Fire damage to your cars | Yes | Yes | No |
| Theft of your cars | Yes | Yes | No |
| Accidental damage to your cars | Yes | No | No |
Most car fleets are arranged on comprehensive cover. Excesses, courtesy cars and other extras vary between policies.
Driver options
Who can drive the cars on a car fleet policy?
Driver rules are one of the biggest differences between car fleet policies. They also have a large effect on price.
Listed drivers only
Each person allowed to drive is named on the policy.
- Suits cars allocated to one person
- New drivers are added before they drive
- Driving records of each person are checked
Any driver, with conditions
Anyone can drive, subject to the insurer's minimum age and licence terms.
- Suits pool cars and shared cars
- Younger drivers may carry a higher excess
- Some policies exclude certain convictions
Staff and approved drivers
Cover for employees, sometimes with partners or family members added for personal use.
- Suits company car schemes
- Partners may be covered for personal use only
- Terms vary between insurers
Pricing
What affects the price of car fleet insurance?
Insurers price a car fleet on the whole picture, not only on how many cars there are. These are the points most likely to come up in a quote.
- The carsMake, model, value and how easy each car is to repair.
- The driversAges, licence history, convictions and past claims.
- How the cars are usedPersonal use, commuting and business use, and the miles driven.
- Where the cars are keptA secure car park, staff driveways or the street.
- The fleet's claims recordClaims made by the business over recent years.
- How the fleet is managedLicence checks, driver guidance, telematics and dashcams.
- The excessA higher excess can lower the premium, but costs more when you claim.
- ExtrasCourtesy cars, windscreen cover, keys and personal belongings.
How it works
One quote form, specialist fleet brokers
Insure Fleet is an information site, not an insurer or a broker. We link you to MyMoneyComparison.com, a comparison service that gives businesses a gateway to brokers who arrange fleet insurance every day.
Start your quote
Get my fleet quote takes you to our partner, MyMoneyComparison.com.
Describe the car fleet
The form asks about the vehicles, the work they do and who drives, so you can be matched with a specialist fleet broker.
Compare and decide
A broker contacts you with options, subject to insurers' acceptance criteria. There is no obligation to buy.
Before you buy
Questions worth asking about any car fleet policy
Two car fleet quotes at a similar price can cover very different things. These are the points that most often catch businesses out.
- Is commuting included?Some policies cover personal and business use but leave out the drive to work.
- Who is allowed to drive each car?Named, any driver and any employee cover work differently.
- Is there a young driver excess?Younger or less experienced drivers often carry an extra excess.
- What happens when a car is off the road?A courtesy car keeps staff working while repairs are done.
- Are personal belongings covered?Laptops, phones and samples left in a car may need their own cover.
- How are new cars added?Some policies cover new cars for a short time; others need them declared first.
- Are electric cars treated differently?Battery damage, charging cables and repair times are worth asking about.
- Do telematics or dashcams change the terms?Some insurers take them into account when pricing.
FAQs
Car fleet insurance questions
What is car fleet insurance?
Car fleet insurance is one motor policy that covers several cars run by a business, instead of a separate policy for each car. It sets out who may drive, what the cars may be used for and the level of cover, all on one schedule with one renewal date.
How many cars do I need for a car fleet policy?
Many insurers offer car fleet insurance from two or three cars, depending on the insurer. Some schemes start at a higher number, so it helps to tell the broker how many cars you run now and whether that is likely to grow.
Does car fleet insurance cover staff driving company cars home?
It can. Driving home and at weekends needs social, domestic and pleasure use on the policy, and the drive to work needs commuting. Some policies include both and some do not, so it is worth checking the certificate.
Can company cars and vans go on one policy?
Yes. A mixed fleet policy can cover cars and vans together on one schedule. Each vehicle still needs the right class of use, so a van carrying tools is rated differently from a pool car.
Does a car fleet policy cover staff using their own cars?
Usually not. Staff driving their own cars for work are a grey fleet, and each driver's own policy needs to include business use. Some businesses check this as part of their driver policy.
Can younger drivers drive cars on a fleet policy?
Often, subject to the insurer's minimum age and licence terms. Younger or less experienced drivers may carry a higher excess, and some policies only allow them as named drivers.
Are electric company cars covered?
Yes, electric and hybrid cars can go on a car fleet policy. Battery damage, charging cables and longer repair times are worth asking about, as cover for these varies between insurers.
Does Insure Fleet sell insurance?
No. Insure Fleet is an information site and an affiliate of MyMoneyComparison.com, a comparison service that gives businesses a gateway to specialist brokers. When you start a quote you continue to MyMoneyComparison.com, and we may be paid a small commission if you are matched with and speak to a broker.
Ready to get your car fleet covered?
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