Fleet insurance cost is not simply the number of vehicles multiplied by an average premium. A handful of factors matter far more than fleet size alone.
Fleet insurance pricing is driven by the combined risk profile of the whole fleet, driver ages and claims history, vehicle types and values, how vehicles are used, and where they are kept overnight, all matter more than vehicle count on its own.
Where fleet cover often saves money: Once a business is managing four or more vehicles, consolidating under one fleet policy frequently costs less overall than separate individual policies, even before administrative savings are counted, because insurers price the aggregate risk rather than stacking individual premiums.
Providing a clean, complete claims history across all drivers and vehicles, rather than letting an insurer request it piecemeal, tends to produce better pricing. Reviewing which drivers actually need to be on the policy, rather than adding every possible driver by default, also keeps cost down.
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See My Cover Options →Cost figures are indicative and vary by fleet composition and insurer. Always compare current quotes for your specific fleet.