Motor Fleet Insurance
For businesses that depend on their vehicles.
Fleet Insurance Is Not Just a Commodity Purchase
Any business operating more than a handful of vehicles knows that motor insurance represents a significant cost, and one where the quality of the programme in place makes a real difference.
The risks go beyond the vehicles themselves. Driver management, claims frequency, vehicle use, and the goods or people being carried all affect your risk profile.
We understand that no two fleets are the same, and we don't treat them as if they do.
Our Approach: Manage the Risk, Not Just the Renewal
Fleet insurance is an area where ongoing management delivers real value. Claims frequency, driver behaviour, and vehicle maintenance all affect your premium over time, and working with a broker who monitors your claims data and helps you identify emerging trends means you're not just reacting to increases at renewal.
We have the market access to place fleet business across a wide range of insurers, including those who specialise in specific vehicle types or fleet compositions. We negotiate on your behalf and ensure that the terms in place reflect how your fleet operates.
What We Cover
Fleet Motor
Core cover for your vehicles, third party, fire and theft, or comprehensive, structured to reflect your fleet composition and use. Cover can be written on an any driver basis or with named driver restrictions, depending on your operation and risk profile.
Goods in Transit
For businesses carrying their own goods or customers' property, cover for loss or damage to the load while in transit, addressing the gap between your vehicle policy and the liability you carry for what's on board.
Fleet Legal Expenses
Cover for the legal costs arising from motor incidents, including pursuing uninsured losses and defending prosecutions, reducing the financial exposure of fleet incidents beyond the immediate vehicle damage or liability.
Breakdown and Assistance
For fleets where vehicle downtime has a direct operational impact, breakdown cover ensures that recovery, onward travel, and repair are managed efficiently.
Employers Liability
If your drivers are employees, EL cover is a legal requirement. In a fleet context, the relationship between motor incidents and employer liability claims makes this an area that needs careful consideration.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your motor fleet risks.
Whether you're reviewing a renewal you're not happy with, growing your fleet, or not confident your current programme reflects how your vehicles are used,we're happy to talk.