Operations
Fleet Insurance
Whole fleet, one cost centre
Fleet insurance brings all your company vehicles under one policy with one renewal date. Beyond the administrative relief, it changes how the risk is priced: the fleet is rated on its own claims record rather than vehicle by vehicle.
What it covers
Kasko for the fleet
Damage, theft, fire and natural events across every vehicle in the fleet.
Traffic insurance
The compulsory cover for every vehicle, managed on one schedule.
Replacement vehicles
Keeping the operation running while a vehicle is off the road.
Driver accident cover
Personal accident cover for drivers and passengers.
Fleet management add-ons
Consolidated claims reporting, single renewal date, mid-term additions and removals.
What to watch for
- Insurers set a minimum fleet size, and below it the vehicles are rated individually.
- Fleet-wide claims experience drives the price — one bad year affects every vehicle.
- Vehicles added mid-term are priced pro rata and must be notified.
- Cover for vehicles used outside their declared purpose can be challenged.
- Cover abroad requires a separate extension.
Who it is for
Companies running several vehicles: distribution, service teams, sales fleets and company cars. The threshold where a fleet policy starts paying for itself is lower than most operators assume.
What we add as a broker
In a fleet the price is not a tariff, it is a negotiation based on your loss ratio. We present your claims history in a form insurers can price properly — which, for fleets with a clean record, is usually worth more than shopping the market blind.
Frequently asked
How many vehicles do I need for a fleet policy?
Thresholds differ by insurer and some are lower than expected. We check which insurers will treat your fleet as a fleet before going to market.
How are vehicles added and removed during the year?
By endorsement, priced pro rata. The practical benefit is that everything still renews on one date instead of drifting into separate anniversaries.
Do the drivers' individual records affect the price?
The fleet's own claims record carries most of the weight, but driver profile and how the vehicles are used feed into it. A structured driver policy visibly helps at renewal.