Third party only
This is the most basic level and the minimum legal requirement. It covers damage costs for third parties but not your company vehicle or your employee driving it if they have an accident.
Insure 2 to 100+ vehicles under one policy
Insure any driver aged 21+
Insure vans, HGVs, mixed fleets, cars and more
Formed in 1974, Grove & Dean is chartered insurance broker and a leading specialist insurer. We offer a wide range of flexible fleet insurance options for cars, vans, HGVs, mixed fleets and much more. With any driver policies, 21+, 25+ and 30+, we cover fleets with 2 to 100+ vehicles. Your fleet insurance is in safe hands with Grove & Dean.
Fleet insurance covers multiple business vehicles under a single insurance policy.
This generally works out more cost effective than individual insurance policies as you should benefit from a discount from an insurer. It’s also much easier to manage one insurance policy with one renewal date when you have multiple vehicles.
Fleet insurance is also flexible and vehicles can be added or removed, if necessary. For example, if your business wins a contract and needs more vehicles to carry out the work.
Fleet insurance can be an ‘any driver’ policy which means that any authorised driver can drive any fleet vehicle. However, the insurer may set some restrictions such as a minimum age. Drivers who don’t meet the criteria may instead be covered as a ‘named driver’.
A fleet is a group of vehicles which are owned or leased by a business.
Fleets can vary in size from fewer than 10 vehicles to hundreds or even thousands of vehicles, and can be:
One type of vehicle, such as a company car fleet
Or a mixture of vehicle types, such as cars, vans and heavy goods vehicles (HGVs)
Some insurers will consider two or more vehicles a fleet, while other insurers set five vehicles as the minimum number.
Insurers will usually cover a number of different vehicle types under a fleet policy, such as:
Like standard car or van insurance, there are three levels of cover available with fleet insurance:
This is the most basic level and the minimum legal requirement. It covers damage costs for third parties but not your company vehicle or your employee driving it if they have an accident.
This is the same as third party only but adds protection for your fleet vehicle in case of theft or fire damage
This is the highest level and covers your fleet vehicles and drivers in the event of an accident, as well as third parties.
Each policy varies but fleet insurance will typically include:
Legal protection
Medical expenses
Courtesy cars and vans
Misfuelling
Replacement locks
Theft of in-vehicle safety technology such as dash cams
Preferential repair costs
Driving abroad
Theft caused by leaving your van unlocked
Driving with an invalid licence
Wear and tear
Uninsured named drivers
Driving under the influence
Insurers may offer fleet insurance products which are tailored to different fleet sizes. For example:
A mini fleet product for businesses with fewer than 15 or 20 vehicles
A medium-sized fleet product for businesses with up to, say, 150 vehicles
A major corporate fleet product for businesses with perhaps 500 or more vehicles
The fleet size may determine the level of support you receive from the insurer, with the biggest fleets benefiting from a dedicated account manager and claims review meetings.
A fleet insurer may help a business with risk management by providing driver online risk assessments or driver training, as well as discounts for fitting safety technology such as telematics (black box) devices or dash cams.
As well as fleet insurance, businesses need other types of cover:
This covers the cost when members of the public are injured, or their property is damaged, because of your business activities.
This protects employers from financial loss in the event of employee injury or illness arising from work-related activities.
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If you want to find out more about cover specifically for vans, read our guide: What is fleet van insurance?
Or, if a standard van insurance policy doesn’t meet your needs, learn about specialist cover for your van.
Keep up to date and find out all you need to know with our latest business guides.
Fleet insurance is for business use but as company car drivers often have private use of their vehicle it’s common for personal use to be covered too. Vans, on the other hand, may only be covered for business journeys.
It’s best to check the policy wording to see if social, domestic and pleasure is mentioned or contact your insurer. If you’re a company car or van driver you should ask your fleet manager or your line manager if you’re covered for personal use.
Yes, fleet insurance can be used for business owned or leased cars. This includes traditional company cars and salary sacrifice cars, which are assigned to individual drivers, or pool cars used by more than one employee.
Some insurers may even extend cover to include occasional business use of employee’s own personal cars (the grey fleet).
In theory, anyone who has been authorised by their company’s fleet manager or appropriate senior manager can drive a fleet vehicle.
However, the insurer may require the driver to have held a full licence for a number of years, be above a certain age (for example, aged 21 and above or 25 and above), and have no motoring or unspent criminal convictions.
If a driver doesn’t meet this criteria you might have to pay an additional premium or higher excess to cover them as a ‘named driver’.
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We do not offer a full comparison service on vehicle fleet insurance at MoneySuperMarket but instead have provided links to some companies that offer fleet insurance quotes. These companies are not listed in an order that indicates that one is better than another. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
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