MOTOR FLEET INSURANCE FOR COMMERCIAL VEHICLES
Choosing a commercial fleet insurance policy is often cheaper for a business than covering vehicles individually, whether your fleet is made up of cars, vans, lorries or a combination.
Tradesure’s commercial motor fleet insurance has many benefits:
- Saves you time – you only have one policy to pay for and renew
- Saves you money – typically costs less than insuring all your vehicles separately
- Get a dedicated fleet manager to help you with your policy
- Add vehicle breakdown recovery to your fleet insurance
- Different cover levels available – get comprehensive cover, third party, fire and theft, or third party only
WHAT IS MOTOR FLEET INSURANCE AND HOW DOES IT WORK?
Commercial fleet insurance, also known as motor fleet insurance, is cover designed for businesses with three or more company registered vehicles.
It works by putting all your commercial vehicles on a single policy, with an ‘any driver’ rule, removing the hassle of lots of different policies. Although it’s sometimes referred to as fleet van insurance, you can cover a wide range of vehicles on a commercial fleet policy, including cars, vans and lorries.
There’s no vehicle weight restriction on the business fleet insurance we offer.
WHY COMMERCIAL FLEET INSURANCE MAKES SENSE
With a motor fleet insurance policy, the insurer spreads the risk – and any claims costs – across all your vehicles on the policy, meaning you benefit from lower premiums. The more vehicles you have on your commercial fleet policy, the more you can potentially save against insuring those vehicles individually.
The ‘fleet insurance any driver cover’ usually means that anyone over 25 with a full licence who has been resident in the UK at least three years can drive the vehicles on your policy. Policies for over-21s who fit the other criteria are sometimes possible.
You can choose the level of cover you need from third party, third party fire and theft, and comprehensive cover. In reality, most insurers offer comprehensive fleet cover as standard – this makes for better risk management for you as the owner, and makes sure your fleet vehicles are covered for any incident.
WHO CAN GET FLEET INSURANCE?
To qualify for a commercial fleet insurance policy, you must usually be 25 or over, have held a full UK driving licence for over 12 months and have been a UK resident for over 3 years. It is sometimes possible to get a policy aged 21 and over, depending on the other criteria and the insurer terms. Your fleet drivers can include anyone aged 21 or older who meets the above license and UK residency criteria.
All the vehicles in your fleet need to be registered under the same company ownership for the policy to be valid.
As fleet insurance brokers we also offer motor trade cover and combined motor trade insurance. We can include liability insurance within your business cover policy to ensure you’re protected for any claims made against you or your company.
WHAT INFORMATION IS NEEDED TO GET A POLICY?
The registrations of your vehicles and your business address need to be provided when you buy your fleet insurance policy. You can give us the values of your vehicles, or have them written into the policy at market value.
We’ll also ask you for your CCE, or confirmed claims experience. This is very important, as it provides us with information on your previous fleet cover claims history. If you’ve not had fleet cover before, we’ll need proof of your no claims bonus for the individual vehicles instead.
If your business only has one vehicle, our Road Risk Insurance may be the most suitable option for your needs.
WHY CHOOSE TRADESURE FOR MOTOR FLEET COVER?
- One of the most experienced motor fleet insurance brokers
- Bespoke fleet insurance policies to suit your business
- Access to a wide panel of insurance providers for the best and most competitive quotes
- Third party, third party fire and theft, and comprehensive options all available
TAILOR YOUR FLEET INSURANCE POLICY
We offer additional options to make sure you are insured in any circumstances. You might choose to get protection for:
- Legal expenses
- Excess protection of up to £1000
- Glass cover in case of window or windscreen damage
and a range of other areas to help give you peace of mind.
Commercial Fleet Plus
Get legal expenses cover, key protect cover, and excess protection in one package with commercial fleet plus. Find out more
Motor Trade Plus
This package gives you legal expenses cover, glass cover and excess protection together. Find out more
GET A BUSINESS FLEET INSURANCE QUOTE
REQUEST A FREE ONLINE QUOTE
MOTOR FLEET INSURANCE FAQs
1. What is a fleet insurance policy?
Fleet vehicle insurance is aimed at businesses that need cover for large or small fleets which include 3 or more vehicles. These could be HGV or LGV, vans, corporate cars, mini buses, taxis etc. Commercial vehicle fleet insurance allows adding multiple vehicles on a single policy, making it easier to manage and update.
Our fleet vehicle insurance is suitable for small business fleet needs as well as larger companies. Whether you need courier fleet vehicle insurance or you have a fleet of company cars, get in touch for a fleet vehicle insurance quote.
2. How much does fleet insurance cost?
The cost of motor fleet insurance depends on a number of factors. Your insurance premium will generally be based on the type of vehicles you wish to add on the cover (model, age & condition), the size of your fleet, your claims history, your company’s risk management processes, the industry you trade in and more.
When you compare fleet insurance policies, most brokers or websites will need information on all of the above to provide you with a relevant commercial fleet insurance quote.
3. Can I drive the vehicles on my commercial fleet policy for personal use?
Yes, your commercial fleet policy can cover you for both business use, and social, domestic and pleasure.
4. Do I need to name all the drivers on my business fleet policy?
You can name drivers if you wish, or you can choose an age range of open driving options: any driver over 21, any driver over 25, or any driver over 30.
5. Can you cover me if I am based in Northern Ireland?
Yes, Tradesure provides insurance services across the UK, including Northern Ireland.
6. How do I arrange my business fleet insurance with Tradesure?
It’s simple; fill out the contact form above, or call our experts on 0121 248 9300 and we’ll provide you with a competitive motor fleet insurance quote. If you already have commercial fleet cover with us and are coming up on your renewal date, learn how to renew your commercial fleet insurance policy.
7. How many vehicles do I need for fleet insurance?
For business fleet insurance, you need three or more vehicles. If you run a business, your vehicle fleet could include company cars, mini vans, trucks, motorcycles, taxis or a combination of all.
8. What is the minimum age to be eligible for motor trade fleet insurance?
The minimum age to be a motor trade fleet insurance policy owner is 25 years old. However, you can name additional drivers on your policy who are 21 years of age or older.
9. What types of businesses are covered by fleet insurance?
Any business with 2 or more company registered vehicles can get fleet insurance, but it’s especially useful for:
- allied trades, e.g. builders, plumbers, carpenters, builders merchants
- clerical trades, e.g. solicitors, estate agents
- logistics and courier companies
- private hire coach and minibus companies