If your business has multiple vehicles it may not be cost-effective to take out individual motor insurance for each vehicle and a fleet policy might be a better choice. There are a variety of business fleet policies available that cater for different types of fleets which can include specialist vehicles, HGVs and private hire vehicles on comprehensive, third party fire and theft, and third party only policies. Below we have explored what some of the leading insurance providers can offer fleets.
The table below gives a quick comparison of the top UK providers for fleet insurance.
Company | Minimum cover | Maximum cover |
---|---|---|
Aviva | Not stated | £20 million |
AIG | £10 million | £35 million |
RSA | Not stated | Unlimited |
Zurich | Not stated | £50 million |
Allianz | Not stated | £20 million |
Ageas | Not stated | Not stated |
QBE | Not stated | £30 million |
NFU Mutual | Not stated | £20 million |
Lloyds Banking Group | Not stated | Not stated |
Liberty Mutual | Not stated | Not stated |
Covéa | Not stated | Not stated |
HDI | Not stated | Not stated |
NIG | Not stated | Unimited |
Kerry London | Not stated | Not stated |
DNA Insurance | Not stated | Not stated |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. Aviva
Some of the features and benefits of Aviva’s fleet insurance.
- Offers a range of fleet insurance
- Cover for up to 25 vehicles
- Choice of cover level
- Policies designed by fleet size
- Covers a wide variety of vehicle types
- Cars, motorcycles, trucks, vans, special and agricultural vehicles
- Trucks up to 60 tonnes
- Courtesy vehicles
- Legal services
- Optional breakdown cover
Aviva offers a wide variety of business insurance products designed to meet the needs of small to medium-sized businesses. Their range includes liability, property and vehicle cover. They offer fleet insurance products which cover from 2 to 25 vehicles.
Aviva offers Minifleet for 2 to 12 vehicles, Fleetwise for up to 13 vehicles and Fleet Insurance for up to 25 vehicles. These cover cars, motorcycles, trucks, vans, special and agricultural vehicles with a choice of fully comprehensive, third party fire and theft, and third party only cover. Third-party property damage cover provides £20 million cover for cars and motorcycles and £5 million for all other vehicles.
2. AIG
Some of the features and benefits of AIG’s fleet insurance.
- Essential motor fleet cover
- Choice of cover from third party to fully comprehensive
- Claims to go beyond standard policies
- Includes medical and vocational rehabilitation
- Third-party property damage cover of £10 million as standard
- Legal expenses
- Offer risk management support
- Provides a Driver Profiler tool
- Suitable for a wide range of auto fleets
AIG provides a variety of business insurance products that are packaged as combined insurance products tailored for specific professions and industries, or as standalone products. Their policies include motor fleet insurance that is designed for large fleets with premiums over £10,000.
AIG’s motor fleet insurance offers cover that goes beyond standard cover as they offer risk management support and a Driver Profiler tool to help you reduce the risk of accidents. They provide a high level of third-party property damage cover with £10 million as standard which can be extended to £35 million. The cover also includes accessories, personal effects, medical expenses, loss or theft of keys, and legal expenses.
3. RSA
Some of the features and benefits of RSA’s fleet insurance.
- Two insurance products
- Mini fleet for up to 15 vehicles
- Fleetshield for 15-250 vehicles
- Choice of cover level
- Third-party property damage
- Personal accident
- Medical expenses
- Personal effects
- Tools
- Fleet risk management support
RSA caters for a wide variety of businesses with their business insurance range from standalone products, sector-specific products and packaged policies. Their range includes two fleet products which are mini fleet for up to 15 vehicles and Fleetshield for 15-250 vehicles.
RSA’s mini fleet offers a choice of cover that can include third party property damage up to £20 million, personal accident, medical expenses, personal effects, tools and breakdown. Their Fleetshield policy offers tailored wording with no limit for certain claim reasons. It provides cover for a wide variety of vehicles and includes courtesy cars and light commercial vehicles as well as a heavy goods vehicle repair network.
4. Zurich
Some of the features and benefits of Zurich’s fleet insurance.
- Small fleets of 2-20 vehicles
- Motor fleet for over 21 vehicles
- Third-party property cover up to £50 million
- Uninsured loss recovery
- Small fleets of predominantly commercial cars
- Tailored solutions for larger fleets
- No additional excesses for young drivers
- Support to help reduce risks
- Suited to well-managed fleets
- Requires three years confirmed claims experience
Zurich is an insurance provider offering a range of business insurance products which includes life and health insurance, property and fleet solutions. They provide two fleet insurance products which are mini fleet for fleets from 2-20 vehicles and motor fleet for over 21 vehicles.
Zurich’s mini fleet provides cover for small fleets that are predominantly commercials cars with mixed vehicle schedules that are well managed and have three years confirmed claims experience. Their cover includes third party property cover up to £50 million and uninsured loss of up to £100,000. Their motor fleet cover provides tailored solutions for larger fleets and they support their clients in reducing their risks.
5. Allianz
Some of the features and benefits of Allianz’s fleet insurance.
- Comprehensive fleet policies
- Covers 3-14 vehicles and 15+ vehicles
- Fleet protection and control
- Vehicles up to 7.5 tonnes
- New for old cover
- Courtesy vehicles
- Commercial legal expenses
- Pay-on-use breakdown cover
- Support to reduce risks, cost and time
- Covers over 3,000 trades and occupations
Allianz offers tailored business insurance products that are designed for small to large businesses. They offer three fleet insurance products which are mini fleet for small business with 3-8 vehicles and for larger businesses small fleet for 4-14 vehicles and motor fleet for 15 plus vehicles. They provide cover for thousands of trades and occupations.
Allianz’s fleet insurance policies provide support for clients to help reduce risks, cost and time. Their mini fleet and small fleet offer cover for vehicles up to 7.5 tonnes with new for old cover for vehicles under a year old. Their motor fleet insurance provides flexible and comprehensive cover for larger fleets.
6. Ageas
Some of the features and benefits of Ageas’s fleet insurance.
- Essential fleet cover
- Suitable for businesses with over 3 vehicles
- Tailored policy
- Available for small fleets up to large fleets
- For private or commercial vehicles
- Can be used for delivering goods
- Includes theft and accident cover
- Windscreen cover
- Designed to get your vehicles back and running quickly
- Available only through a broker
Ageas is an insurance provider that offers a variety of business insurance products as tailored packages for specific professions and sectors as well as generic business products. These products include property, liability, vehicles and accident which includes fleet insurance.
Ageas’ fleet insurance is designed for businesses that have more than 3 private or commercial vehicles and is suited to both small and large fleets. The cover is tailorable and can include vehicles that are used for delivering goods. The policy includes theft, accidents and windscreen protection which is designed to help businesses to get up and running again quickly.
7. QBE
Some of the features and benefits of QBE’s fleet insurance.
- Flexible motor fleet insurance
- Small fleets up to 15 and medium to large fleets over 15 vehicles
- Covers car, commercial vehicles, coach, bus and minibus
- Tailored cover
- Aim to reduce vehicle downtime to minimise disruption
- Choice of cover level
- 24/7 claims helpline and online repair tracker
- Support you in reducing your risks
- Available to a variety of trades and business sizes
- Available only through a broker
QBE is an international provider of business insurance products. They have designed their products to meet the needs of businesses of all sizes with their standalone and combined products which include motor fleet.
QBE’s motor fleet insurance is available as comprehensive cover, third party fire and theft cover, and third party only cover to a wide variety of vehicles. They are proactive in helping you reduce risks to prevent accidents and losses. They help you in the event of a claim with 24/7 claims helpline and an online repair tracker to keep you informed. They offer optional extras which include AA breakdown and Autoglass repair cover.
8. NFU Mutual
Some of the features and benefits of NFU Mutual’s fleet insurance.
- Comprehensive motor fleet
- Suitable for cars, vans and trucks
- Tailored covered
- Designed to keep your business moving
- No limit on the number of vehicles
- Choice of cover level
- Public liability
- Legal protection
- European travel
- Breakdown cover
NFU Mutual is an insurance provider that is run for the benefit of its members and offers a range of business insurance products. They provide a range of speciality products which includes motor fleet insurance suitable for cars, vans and trucks.
NFU Mutual’s motor fleet insurance is a tailored policy that is available as comprehensive cover, third party fire and theft, and third party only. Their policy doesn’t have a limit on the number of vehicles, and they have designed the policy to keep your business moving and minimise disruption. Their cover includes public liability up to £20 million, trailers, European travel, legal protection and breakdown cover.
9. Lloyds Bank
Some of the features and benefits of Lloyds Bank’s fleet insurance.
- Straightforward insurance
- Designed for 3 or more vehicles
- Tailored cover
- Offers the level of cover you require
- Complete cover for all your vehicles
- Can compare quotes
- Contact them online or over the phone
- Offers a range of complementary insurance products
- UK based advisors
- Provided in partnership with Arthur J. Gallagher
Lloyds Bank is a financial institution that also offers a range of business insurance products that are provided in partnership with Arthur J. Gallagher. They offer a variety of business insurance products that can be standalone or combined insurance products. This range includes fleet insurance that is suited to businesses with 3 or more vehicles.
Lloyds Bank’s fleet insurance is a straightforward insurance product that can be purchased online or over the phone through their UK based call advisor team. Their fleet insurance product is tailorable and can cater for the level of cover you require.
10. Liberty Mutual
Some of the features and benefits of Liberty Mutual’s fleet insurance.
- Commercial Auto Insurance
- Flexible policy
- Suitable for a few vehicles to a fleet of trucks
- Offers a guaranteed repair network
- Accident claims app
- Simple claims procedure
- Offers risk control tools
- Support reducing risks through safer driving
- Vehicle driver monitoring
- Available through an independent agent or broker
Liberty Mutual is an insurance provider which offers a variety of business insurance products as well as risk management solutions to businesses from small businesses through to large corporations. This range includes Commercial Auto Insurance.
Liberty Mutual’s Commercial Auto Insurance is designed as a flexible product suited to businesses with a few vehicles through to those with a fleet of trucks. They have taken the pain out claims through their simple claims procedure which includes an accident claim app where you can take pictures of the damage and request an estimate from their guaranteed repair network. They also support businesses to reduce their risks through driver training and monitoring.
11. Covea
Some of the features and benefits of Covea’s fleet insurance.
- Cover for cars and small commercial vehicles
- Fleets from 3 to 25 vehicles
- Suitable for vehicles up to 7.5 tonnes
- Provides business, social, domestic and pleasure purposes cover
- Some special vehicles can be covered
- Choice of comprehensive or third-party fire and theft
- Covers replacement locks, misfuelling and personal effects
- Personal accident and medical expenses cover
- Includes 90 days overseas per year cover
- Offers courtesy vehicle and new vehicle replacement
Covea is an insurance provider that offers a variety of business insurance products that are available only through their e-portal if you are a small business or through a network of brokers. They offer a range of business insurance packages that are tailored to meet the needs of specific professions and circumstances which includes motor fleet cover.
Covea’s motor fleet is designed for businesses with fleets from 3 to 25 vehicles that are a maximum of 7.5 tonnes for business use, social, domestic and pleasure purposes. You can choose between comprehensive and third-party fire and theft and some special vehicle types can be included on third party only cover.
12. HDI
Some of the features and benefits of HDI’s fleet insurance.
- Technology-driven approach to fleet insurance
- Designed for long-term agreements
- Suited to mixed fleets with over 250 vehicles
- Aims to help businesses reduce fleet risk
- Uses mandatory vehicle telematics to support improvements
- Help reduce fleet expenditure and running costs
- Driver risk management programme
- Driver education programme
- Fully integrated repair management service
- Online claims management
HDI offers a variety of business insurance products that can be purchased through its broker network. Their range includes motor fleet which is a technology-driven approach to fleet management and focuses on reducing risks, fleet expenditure and running costs.
HDI’s motor fleet policy is designed for businesses that have more than 250 vehicles which can be cars, vans, HGVs, coaches or specialist vehicles. The policy is most suited to those looking for a longer-term relationship as they require all vehicles to use telematics to help improve driver behaviour. Their offering includes driver risk management programmes and driver education programmes.
13. NIG
Some of the features and benefits of NIG’s fleet insurance.
- Mini fleet insurance
- Cover for 2 to 15 vehicles
- Includes commercial vehicles up to 4 tonnes
- Also covers forklifts and trailers
- Unlimited third-party injury
- Personal accident, medical expenses and emergency treatment
- Personal belongings
- Legal costs
- 30 days of foreign use in the EU
- Can increase cover to 20 vehicles at mid-term and renewal
NIG is a business insurance provider which offers a variety of business insurance products that are designed to meet the requirements of specific industries and professions with tailored package cover. Their product range includes mini fleet insurance which has been designed for fleets from 2 to 15 vehicles which can be extended to 20 vehicles mid-term or at renewal.
NIG’s mini fleet insurance includes private cars and commercial vehicles that are up to 4 tonnes, trailers and forklifts. Their policy covers third party injury which is unlimited, legal costs, personal accident, medical expenses, personal belongings, windscreen damage and 30 days foreign use cover in the EU.
14. Kerry London
Some of the features and benefits of Kerry London’s fleet insurance.
- Commercial fleet insurance
- Personal account manager will arrange cover
- Includes transporting goods
- Also covers light and heavy haulage
- Includes a variety of uses including emergency vehicles and taxis
- Covers accidents, fire and theft
- Bespoke cover
- Assists in finding the correct level of cover
- Aims to minimise disruption to your business
- Dedicated in-house claim handling team
Kerry London is an independent insurance provider that specialises in providing insurance for property, construction, manufacturing, healthcare, sports and leisure sector through their underwriting services. Their product range includes commercial fleet insurance which includes a wide variety of vehicle types such as light and heavy haulage used for transporting goods, emergency vehicles and taxi businesses.
Kerry London’s commercial fleet insurance gives clients access to their personal account managers who will arrange the correct level of cover for your needs and they will aim to minimise the disruption caused to your business in the event of a claim through their dedicated in-house claim handling team.
15. DNA Insurance
Some of the features and benefits of DNA Insurance’s fleet insurance.
- Cost-effective fleet insurance
- Tailor-made cover
- Flexible payment options
- Designed for any business with more than 1 car or van
- Offers a range of optional extras
- Breakdown cover
- Windscreen cover
- Guarantee vehicle hire
- Legal expenses
- 24-hour claims helpline
DNA Insurance is an insurance provider that offers a range of business insurance products that are provided by their UK based operations and call centre. They specialise in motoring insurance that includes fleet insurance, motor trade, taxis, minibus, car and van, as well as landlord insurance and travel insurance.
DNA Insurance’s fleet insurance offers tailor-made cover that also has flexible payment options so that their policies are designed for your needs. They cover businesses that have more than 1 car or van through their fleet insurance and they offer a variety of optional extras which include breakdown cover, guaranteed vehicle hire for 28 days, windscreen cover and legal expenses.