Compare plans, insurers, coverage & prices

Commercial Fleet Insurance

Home Commercial Fleet Insurance

Compare 60+ Providers

Save up to £668*

Commercial fleet insurance is a specialised type of policy designed for businesses that operate multiple vehicles. Instead of insuring each vehicle separately, a fleet insurance policy bundles them under one umbrella. Whether you run a small delivery company, manage several work vans, or oversee a fleet of trucks, having the right cover in place is essential. Fleet insurance offers convenience and can often save money for small businesses by covering everything from vans and cars to trucks and specialist vehicles under one policy.

Save time and money

One short form is all it takes to compare quotes from over 60 insurance providers, side-by-side.

Compare the top providers

Using an insurance comparison service increases your odds of finding a great deal.

Need insurance for your van?

Search up to 60 van insurance providers to save you time and money

What is Commercial Fleet Insurance?

Commercial fleet insurance provides cover for two or more business vehicles under a single policy. It streamlines insurance for companies that use multiple cars, vans, or trucks. Rather than taking out individual policies for each vehicle, you group them together into one plan. This simplifies administration (you only deal with one renewal date and one set of terms) and often results in lower overall premiums. A typical fleet policy will include at least third-party liability cover, and you can usually add fire and theft or comprehensive cover for your own vehicles.

Why Choose Fleet Insurance?

Simplified Administration: Manage all your vehicles under one policy, making renewals and paperwork easier.
Cost Savings: Many insurers offer a multi-vehicle discount – the more vehicles on your policy, the lower the premium per vehicle usually is.
Consistent Coverage: Ensure every vehicle has at least the same baseline level of cover. This avoids gaps where one van might be underinsured compared to others.
Extra Benefits: Some fleet policies come with perks like breakdown cover or courtesy vehicles, which help keep your business running even after an accident.

What Does Fleet Insurance Cover?

Coverage can vary by insurer, but typical options include:

Third-Party Only: Covers damage or injury you cause to other people or property.
Third-Party, Fire and Theft: Adds cover if your vehicles are stolen or damaged by fire.
Comprehensive Cover: Includes damage to your own vehicles as well as third-party damage, plus usually cover for theft and fire.

Fleet policies can often be extended with extras. For example, you might add cover for tools and equipment kept in vans, goods in transit (items your vehicles carry), legal expenses for accident disputes, or insurance for additional drivers (named or unlimited).

Who Needs Commercial Fleet Insurance?

If your business regularly uses two or more vehicles, fleet insurance is worth considering. It is ideal for:

Delivery and Courier Companies: Multiple vans making regular deliveries.
Trades and Services: Plumbers, electricians, builders and similar businesses with several vans or trucks for tools and materials.
Service Providers: Pest control, catering or cleaning companies with fleets of service vehicles.
Leased or Hired Fleets: Businesses that lease or rent vehicles for staff use.

Even small businesses with just two or three vans may find a fleet policy more convenient and cost-effective than separate policies for each vehicle.

How to Get the Best Deal

Compare Quotes: Obtain van insurance quotes from several insurers or brokers. Comparing quotes is one of the most effective ways to save money and ensure you’re not overpaying.
Provide Accurate Details: Prepare a list of all your vehicles, their values, and how they are used. Insurers base quotes on this information, so accuracy helps avoid surprises.
Check Excess and Cover Levels: A higher voluntary excess can reduce your premium, but make sure it’s affordable if you need to claim. Choose cover levels that fit your risk – for example, adequate cover for any goods or equipment you transport.
Enhance Security: Fit your vehicles with alarms, immobilisers or GPS trackers, and use secure parking. These measures can lower your risk profile and may earn you premium discounts.
Evaluate Optional Extras: Decide whether add-ons like breakdown cover, legal assistance or tool protection are worth the extra cost for your business.

When reviewing quotes, compare more than just the price. Check what is included and any exclusions. Make sure all vehicles and drivers in your fleet would be covered under each policy. Since insurers assess risk differently, one provider might offer a better deal on cover than another. If possible, use a specialised fleet insurance broker or a trusted comparison service to help find the ideal balance of cover and cost for your needs.

Tips for Reducing Premiums and Risk

Driver Training: Investing in professional driver training can reduce accidents and help keep claims (and premiums) down.
Maintain a Good Claims Record: Encourage safe driving practices and clear guidelines for van use. A clean claims history earns no-claims bonuses over time.
Bundle Your Policies: Check if you can combine fleet insurance with other business policies (like liability or property insurance) for a multi-policy discount.
Pay Annually: Some insurers add fees for monthly payments. Paying your premium in full once a year can save interest and admin charges.
Regularly Review Your Policy: As your business changes, update your policy accordingly. Remove vehicles or drivers you no longer use and add new ones. Adjust cover levels to avoid overpaying for unneeded coverage.

Commercial fleet insurance is a vital safeguard for any business that relies on vehicles. It simplifies administration and can offer significant cost savings while ensuring all your vans, cars and trucks are protected. The key to getting the best deal is to shop around. By comparing van insurance quotes from different providers, you can find the policy that offers the right level of cover at the best price. That way, you can keep your business moving forward with confidence, without taking on unnecessary risk.

Your Van, Your Coverage, Your Way

We tested every major van insurance comparison engine, and Quotezone stood out as the best. It compares the most companies, ensuring you get the widest range of options, and on average they delivered the most competitive prices.

60 Different Providers

The comparison service increases your chance of finding a great deal by comparing up to 60 policies side-by-side.

Over 4 Million users

Over 4 million people use Quotezone each year to save money on their policies and find a policy suited to their needs.

Secure Online Purchase

Purchase your insurance policy quickly and easily, and choose between monthly and annual payment options.

97% of Quotezone's customers recommend them

97% of customers who left a review for Quotezone recommend comparing your insurance with them. They provide over 5 million quotes a year.

Find a price that is right for you

Comparing van insurance in one place can save you time and money. You could save up to £668* when you compare today.

Over 20 years experience

Quotezone has been helping customers save on insurance since 2005. Giving them over 20 years of experience as insurance comparison experts.

* 51% of consumers could save £668.40 on their van insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted.

You could save up to

£668^*

Compare today to see how much you could save