commercial Vehicle

Fleet Insurance

Our Fleet Insurance provides flexibility allowing you to simplify your admin by having just one, single fleet policy to insure multiple vehicles. This means you only have one renewal and one payment plan to manage and we provide a dedicated expert account manager to guide you through the process, available via telephone, email or a virtual meeting to suit you.

Call Now: 0344 776 5302

What to look for in Fleet Insurance

  • Multi-vehicle Fleet Insurance from 3 vehicles upwards
  • No limitations on the amount of vehicles covered
  • Add or remove any driver automatically
  • Fully comprehensive, or third party fire and theft options
  • Public & Employers Liability
  • Goods In Transit Insurance

Large or small, if you run 3 or more vehicles, our Fleet Insurance is simple, quick and hassle free.

Fleet Insurance

Why choose Business Choice Direct?

Running a fleet is time consuming, so you need your Fleet Insurance to be flexible and simple to administer, that’s why we won’t ask you to call us to add or remove any driver. We automatically insure your drivers within the agreed policy driving restriction. The driving restriction means the driver has to be the age agreed with the insurer and they must comply with the minimum licence length. Dependant on claims and convictions history.

Best of all, we have no limitations on the amount of vehicles covered. We specialise in road transport, courier and construction vehicles; however, we also provide specific products and prices for many other industries. Whether you operate vans, cars or HGV’s we can cater for most vehicle types.

Fleet Driver

Frequently Asked Questions need some help?

What is Fleet Insurance and why is it important?

Fleet Insurance is a type of cover which is designed for businesses who own multiple vehicles. To save you from having multiple policies, Fleet Insurance allows you to have all your commercial vehicles insured under one policy.

Consolidating insurance into one policy means one renewal date and one payment date, thereby reducing the amount of admin and paperwork that you have to deal with and helps to streamline your operation.

Fleet Insurance can also save companies money, since bulk buying motor insurance from a single provider, may enable you to benefit from substantial discounts, compared with purchasing separate policies for each vehicle from various insurers.

How does Fleet Insurance differ from regular vehicle insurance?

Fleet Insurance is a specialist type of commercial insurance policy, so it isn’t available through all insurance providers. As a specialist broker, BCD are industry experts, familiar with all the types and levels of cover available.
Overall, a Fleet Insurance policy offers similar coverage to a standard car or vehicle policy, plus some additional features designed for business needs.

A Fleet Insurance policy can cover aspects such as;

  • Loss or damage to the vehicle.
  • Recovery of the vehicle following an accident or breakdown
  • Replacement locks if keys are stolen
  • Windscreen replacement
  • Windscreen replacement
  • Trailers or equipment attachments
  • Cover for personal belongings stolen from the vehicle
  • Driving abroad
  • Courtesy vehicle during repair
  • These features are available from most Fleet Insurance providers, either as standard or as optional extras.

    You will need to check specific exclusions, for example Motorbikes, Forklift trucks and excavators tend to need specific cover.

    In addition, Fleet Insurance policies cannot cover all types of claim.

    It would not for example cover;-

  • Vehicle theft due to driver negligence, such as leaving the vehicle unlocked
  • Damage to the tyres or body underside
  • Mechanical breakdown.
  • Fleet Insurance covers multiple vehicles. The number of vehicles considered a fleet varies according to the provider. For BCD that number is 3 or more. The vehicles can be registered in the company name, partner or director of the company, allowing one policy to cover all your vehicles with the business. It can be more cost effective than insuring each individual vehicle separately.

    Is a fleet policy cheaper?

    Whilst quantity-based discounts may be available, a fleet policy is not always cheaper, each risk is looked at on an individual basis and our insurance experts will be able to review your requirements and offer further advice and information on prices. However, we may be able to find you more extensive cover and get exclusive deals not advertised to the public.

    How can I save money on my Fleet Insurance premiums?

    Agreeing to have a higher excess on your policy may help to lower the premiums. We will discuss your fleet claims experience as this will impact the premiums you pay. Demonstrating that you have a robust risk management strategy in place and undertake aspects such as driver training and the use of onboard telematics, can also help to reduce premiums.

    Who can drive on Fleet Insurance?

    Fleet Insurance policies are limited to the vehicles that you specify under the policy. The vehicles cannot be used for any other business use other than which is stated on your policy. In most instances, any driver that your business employs can drive on your Fleet Insurance without you having to update your whole policy.

    What types of businesses typically require Fleet Insurance?

    Fleet Insurance can be effective for a wide range of business types, spanning most sectors. BCD can access a range Fleet Insurance options available on the market which cater specifically to particular industries, such as Taxi Fleets, Light Goods Fleets and Minibus Fleets.

    We can even help you with Hazardous Good Fleets Insurance, where a fleet is used to transport hazardous materials such as toxic waste, chemicals, biological waste or radioactive materials.

    Carrying these materials has a high risk, which is why a specialist hazardous goods Fleet Insurance policy is needed that is tailored to provide the specific cover suitable for the nature of your cargo.

    Business Fleet Insurance is a more general, flexible Fleet Insurance policy which can cater to a range of businesses, using their vehicles for different purposes.

    A minimum of three commercial vehicles is required for our Fleet Insurance. There are no limitations on the number of vehicles we can get covered. No matter what size of business you operate, if you have 3 or more commercial vehicles, we can offer affordable Fleet Insurance for both small and large businesses.

    If you are a business that uses company-owned vehicles such as company cars for your employees, or you have a fleet of company vans undertaking deliveries around the country then a Fleet Insurance policy will help you manage all your vehicles.

    Fleet Insurance enables you to cover all the vehicles your business operates under one policy.

    Fleet Insurance coverage options

    Individual Fleet Insurance policies can cover multiple different types of vehicle. Typical cover options include;-

  • Third-party fire and theft cover – provides protection should a vehicle be stolen or damaged by fire, in addition to the standard third-party protection.
  • Comprehensive Fleet Insurance – protects against any damage sustained to a vehicle covered by the policy.
  • If you opt for a comprehensive level of cover, you typically have insurance for your drivers as well.

    For this to be taken out, you will need to provide detailed information about the drivers on your policy to create a bespoke quote.

    If you want to name drivers on your policy, you have to provide information about each employee that may drive your vehicles, including their age and claims history.

    We think you should also consider…

    • Business Insurance
    • Fleet Breakdown cover
    • Public Liability
    • Employers Liability
    • Goods in Transit Cover
    • Fleet GAP Insurance
    • Property Insurance
    • Excess Protection
    • Legal Cover
    • Commercial Insurance