Company fleet insurance for businesses with staff drivers
Cover for the cars and small vans your business provides to employees, set up around who drives them, when and why. Fill in one short form to be put in touch with specialist brokers who arrange business fleet insurance for UK employers.
- Company cars and small vans
- Built around your staff drivers
- Starters and leavers handled in-year
Company fleet insurance in brief
Company fleet insurance is a business motor policy covering the vehicles an employer provides for staff to drive, usually company cars and small vans, under one set of driver rules. It is also called business fleet insurance. The policy is held by the business, and staff drive under the terms the business has agreed with the insurer.
What sets it apart is the employer's role: who is allowed to drive, how licences are checked and what happens when someone leaves. If the vehicles are mostly cars, our page on car fleet insurance goes into cover levels and car use in more detail.
Who it is for
Which employers take out company fleet cover?
Any business that hands vehicles to its employees. The vehicles may be few or many; what they share is that the company, not the driver, is responsible for the insurance.
Driver policy
What does a company driver policy cover, and why do insurers ask for one?
A driver policy is the business's own rulebook for anyone driving for work. Insurers often ask whether one exists, because it shows how the company manages the risk day to day.
Who may drive
Which staff can use company vehicles, and on what terms.
- Minimum age and licence held
- Which vehicles each role can use
- Whether family members may drive
Licence and record checks
How the business confirms drivers are fit to drive.
- Licence checks when staff join
- Regular rechecks during employment
- Declaring new points or convictions
Rules on the road
What the business expects of drivers while working.
- Phones, fatigue and journey planning
- Reporting accidents and damage promptly
- Personal use and carrying passengers
Managing staff drivers
How do new starters, leavers and changing roles affect the policy?
Staff come and go, and the insurer needs to keep pace. On named driver policies each new employee is usually added before driving, which can slow things down for busy teams. Some businesses move to any driver fleet insurance so qualifying staff are covered from day one, subject to the insurer's age and licence conditions.
New starters
Before a new employee takes a vehicle out.
- Confirm they meet the policy's driver terms
- Add them if cover is on a named basis
- Share the driver policy and claims process
Changes during employment
Things that can alter a driver's standing with the insurer.
- New penalty points or a driving ban
- A move to a heavier vehicle
- A medical condition affecting driving
Leavers
Closing off cover cleanly when someone leaves.
- Remove named drivers promptly
- Collect keys, fuel cards and trackers
- Record the vehicle's condition on return
Work and home
How are company vehicles covered outside working hours?
Many company vehicles live at the employee's home. That makes the line between work and personal use important when a claim is made.
- Personal use for the employee: Evenings, weekends and holidays in a company car, which needs social, domestic and pleasure cover.
- Partners and family: Some policies let a spouse or partner drive for personal use only; others do not allow it.
- Commuting: The drive between home and the usual workplace, which is not always included.
- Business journeys: Client visits, site work and travel between offices.
- Tools and stock in vans: Engineers' vans carrying the company's own equipment need carriage of own goods.
If a vehicle starts carrying other people's goods or passengers for payment, the business will usually need a different class of use.
Pricing
What affects the price of company fleet insurance?
For a company fleet the people matter as much as the vehicles. These are the points brokers usually ask about.
- The staff who driveAges, licence history, points and past claims across the team.
- How drivers are managedLicence checks, a written driver policy and driver training.
- Mix of cars and vansWhat each vehicle is, what it is worth and what it carries.
- Personal and family useWider personal use and extra drivers usually add to the risk.
- Where vehicles stay overnightStaff driveways, a company car park or the street.
- Claims historyThe business's motor claims in recent years and how they were handled.
- Accident reportingHow quickly incidents are reported and passed to the insurer.
- TechnologyTelematics, dashcams and journey logging, where the insurer takes them into account.
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 company 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 company fleet policy
The policy has to match how your staff really use the vehicles. These points are worth raising before you commit.
- Are staff covered from their first day?Named driver policies may need each starter added first.
- Can partners drive company cars?Family use is included by some insurers and excluded by others.
- How often are licences checked?Some insurers set a minimum frequency for checks.
- What happens if a driver gets points?There may be a duty to tell the insurer during the year.
- Is commuting on the certificate?Without it, the drive to the office may not be covered.
- Who handles claims for staff?A clear route for reporting keeps claims moving.
- Is there a young driver excess?Apprentices and graduates may carry a higher excess.
- Do driver training or telematics count?Some insurers reflect good risk management in the terms.
FAQs
Company fleet insurance questions
What is company fleet insurance?
Company fleet insurance is a business motor policy covering the vehicles an employer provides for staff to drive, usually company cars and small vans. The business holds the policy and sets who may drive, what the vehicles may be used for and how drivers are checked.
Is company fleet insurance the same as business fleet insurance?
In practice, yes. Both describe a fleet policy held by a business for vehicles its staff drive. The name matters less than making sure the drivers, uses and vehicles on the schedule match what happens day to day.
Does the business need a driver policy?
Not every insurer requires one, but many ask whether it exists. A written driver policy covering licence checks, conduct and accident reporting can help when a broker presents the business to insurers.
Are employees covered for personal use of a company car?
They can be, if social, domestic and pleasure use is on the policy. Some policies also cover a partner for personal use. It is worth checking exactly who is included and for what.
What if an employee drives their own car for work?
A company fleet policy usually covers only the company's vehicles. Staff using their own cars for work need business use on their personal policy, and our guide to grey fleet insurance covers what employers tend to check.
Can an employee with penalty points drive a company vehicle?
Often, depending on the insurer and the convictions involved. Points must usually be disclosed, and some insurers limit cover or change the terms. Drivers with more serious convictions can usually be added through fleet insurance for convicted drivers.
Can a new company with no claims history get company fleet cover?
Yes, though choice may be narrower at first. Insurers will lean on the drivers' own records and how the vehicles will be used. There is more on starting out in our page on new business fleet insurance.
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.
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