Insurance for Motor Fleet

Fleet insurance in the UK typically covers a group of vehicles owned by a business or organisation. This type of insurance is designed to provide covers for multiple vehicles under a single policy, which can be more cost-effective and convenient than insuring each vehicle individually.


  • Delivery and Logistics Companies such as courier services, haulage companies, and logistics firms.
  • Construction Companies fleet of vehicles, including trucks, vans, and construction equipment.
  • Taxi and Private Hire Firms
  • Rental Car Companies
  • Corporate Fleets, vans, and specialty vehicles.
  • Public Sector and Government Agencies fleet of vehicles used for various purposes, including public transportation, law enforcement, and municipal services.
  • Emergency Services: Police, fire departments, and ambulance services maintain fleets of vehicles
  • Waste Management and Recycling Companies
  • Haulage and Freight Companies
  • Bus and Coach Operator
  • Farm and Agriculture fleet of vehicles, including tractors, harvesters, and other machinery.
  • Fleet Management Companies

insurance options for Motor Fleet:

Liability Insurance

This is the most basic and essential cover for any fleet. It protects you against claims from third parties for bodily injury or property damage caused by your vehicles. Liability coverage typically includes both bodily injury liability and property damage liability.

Comprehensive Coverage

Comprehensive cover protects your fleet vehicles against damage or loss caused by events other than collisions, such as theft, fire, vandalism, or natural disasters. It provides coverage for repairs or replacement of the vehicles.

Collision Coverage

Collision coverage provides protection for your fleet vehicles in the event of a collision with another vehicle or object. It covers the cost of repairs or replacement of your vehicles, regardless of fault.

Uninsured Motorist Cover

This cover protects your fleet if one of your vehicles is involved in an accident with an uninsured or underinsured driver. It covers medical expenses, vehicle repairs, and other damages when the at-fault party lacks sufficient insurance cover.

Medical Payments

Medical payments cover pays for medical expenses incurred by your drivers and passengers in the event of an accident, regardless of who is at fault. It can help cover hospital bills, surgeries, and other medical treatments.

Personal Injury Protection (PIP)

PIP cover provides broader medical cover than medical payments cover. It covers medical expenses, lost wages, and other costs related to injuries sustained by your drivers and passengers in an accident.

Fleet Breakdown Cover

This type of cover provides assistance and cover for repairs or towing in the event of a breakdown. It can help minimize downtime and keep your fleet running smoothly

Hired / Non-Owned Vehicle Cover

If your business occasionally uses vehicles that are not owned by the company (such as rental vehicles or employee-owned vehicles used for work purposes), this coverage provides liability protection in case of an accident.

Cargo Cover

If your fleet involves transporting goods or cargo, cargo coverage protects against damage, theft, or loss of the goods being transported.

Fleet Management Services

Some insurers offer additional services such as GPS tracking, driver behaviour monitoring, and risk management programs to help you optimise your fleet’s performance, safety, and efficiency.

Your insurance needs may vary depending on your trade, business structure, and location.
Contact us to assess your needs and we will find suitable covers for your business.

Contact us