Commercial and Fleet Vehicle Insurance

What is fleet insurance?

Whether you’re a builder, plumber, electrician or mover looking for fleet insurance and have a number of vehicles in your business, you can have them covered under a single commercial fleet insurance policy. These vehicles can be registered in the name of a company, a partner or director of the company, allowing one policy to cover your whole business.

If your team drives vans, cars, trucks or any other vehicles to operate the day-to-day business, you can ensure that you have the appropriate fleet insurance cover to keep your company assets protected. A fleet vehicle insurance policy will save the headache when trying to renew and could end up saving you money on your commercial fleet insurance.

How many vehicles count as a fleet?

The number of vehicles which count as a fleet will differ from insurer to insurer and most will set a minimum and maximum amount. The minimum can be as low as a couple of vehicles, whereas the maximum can run up to thousands. Speak to one of our specialist fleet insurance brokers to discuss your business needs and they will advise accordingly.

What is covered on a fleet insurance policy?

A variety of business uses are covered in most fleet vehicle insurance policies, including haulage, private hire, courier and other transportation purposes. Taxi firms are different, however, and need to hold either public or private cover.

Our experienced commercial fleet car insurance team will discuss all the options available for your business with you. You can select the level of cover that suits you, creating a fleet management solution that's tailored to your unique needs.

What are the levels of cover for fleet vehicle insurance?

As a minimum, all vehicles must have at least third party insurance by law. If you are protecting your fleet however, you will need additional levels of coverage to protect your assets in case of damage or theft. Most businesses choose comprehensive fleet insurance as standard. This offers the highest level of protection for your cars, vans and other company vehicles.

How can Gallagher help my business?

At Gallagher, your vehicles can be insured on a declaration basis or immediately as and when required. We even offer same-day quotes, with digital quotes available for fleets of up to 20 vehicles.

We can offer cover no matter the size of your fleet with new venture fleets covered and the option to offer a no-claims bonus conversion. You can even pay in instalments (subject to a credit check), making paying for your fleet insurance policy more affordable and flexible.

Save time and money while making sure that your entire vehicle fleet is covered by insuring them under a single policy, with a single insurer and a single renewal date.

What optional extras can I add to my fleet vehicle insurance policy?

As well as standard fleet insurance and fleet management solutions, there are a number of other covers including breakdown cover, legal expenses, uninsured loss recovery, new vehicle replacement cover, courtesy cars and additional cover for driving overseas. Some may be automatically included in your fleet vehicle insurance policy and others may be available as extra cover depending on which policy you chose.

Policy limits and exclusions may apply, please see policy wording for full terms and conditions.