Once a business runs more than a couple of vehicles, insuring each one separately usually stops making financial and administrative sense.
Motor fleet insurance covers multiple company vehicles under a single policy, with one renewal date, rather than a separate policy for every van, car, or truck in the business. It's available for fleets of any size, some insurers will write fleet policies from as few as two or three vehicles.
Why consolidation helps beyond cost: A fleet policy simplifies administration significantly, one renewal date, one point of contact, and often the ability to add or remove vehicles mid-term without arranging a whole new policy. Some fleet policies also allow flexibility over which staff can drive which vehicles, useful for businesses where staff share pool vehicles.
Pricing depends on the number and type of vehicles, driver ages and claims history across the fleet, where vehicles are kept overnight, and the nature of the business use. A delivery fleet on the road all day carries a different risk profile to a fleet of pool cars used occasionally.
Below a certain number of vehicles, individual business car or van insurance may still work out cheaper. The crossover point varies, but once a business is managing renewal dates and claims across several separate policies, the administrative saving from consolidating often outweighs a modest price difference.
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See My Cover Options →Minimum fleet size and eligible vehicle types vary by insurer. Always confirm which vehicles and drivers are eligible before switching from individual policies.