Frequently Asked Questions

Motor fleet insurance is exactly what it sounds like – insurance for a fleet of vehicles. Under UK law, all vehicles which are used or left on a public highway must have adequate insurance cover. Fleet insurance is an easy way to make sure that all of your vehicles are covered, and is typically used by companies which operate fleets of multiple vehicles.

If you’re insuring more than one vehicle, fleet insurance will typically be cheaper than individual vehicle insurance. It’s also more convenient, as you will have only one renewal date to handle and less paperwork, giving peace of mind and significantly easier administration. Whether you have just a few vehicles or several hundred, it makes sense to deal with only one insurance company and have a single point of reference for any claims you may have to make.

Fleet insurance policies are available for any type of vehicle, from cars to motorbikes, trucks, buses, vans and lorries. The specialist brokers at GoMotorFleet can even find you cover for forklifts, cranes and bulldozers!

Motor fleet insurance is available in three main levels of cover, similar to ordinary motor insurance. This includes: Third Party Only: This is the minimum level of cover required by law, and will cover you for damage to the other party’s vehicle, or loss or damage to a third party. This level provides no cover for you, your driver or your vehicle, but is the cheapest option. Third Party, Fire and Theft: : This includes third party cover as above, and also covers you for fire damage to the vehicle and for theft of the vehicle. Fully Comprehensive: This includes third party, fire and theft cover, and also covers accidental damage to the vehicle. This is the most expensive level of fleet insurance cover.

No problem – our brokers can work with you to find the right taxi fleet insurance for your needs. Whether you operate public hire vehicles, private hire, black cabs, minicabs, minibuses or a mixture of taxis and other vehicles, we’ll find the right policy for you.

No, you don’t. You can include a mixture of vehicles on a single policy. Fill out the easy GoMotorFleet quotation form to see how simple this is in practice.

This varies from insurance company to company. The widest choice of policies typically begins at four or five vehicles. However, our specialist brokers are experts in finding flexible and competitive ‘mini fleet’ policies, for companies with a minimum of two vehicles. There is usually no upper limit, with policies available for 500+ vehicles.

This varies from policy to policy, and according to the level of cover chosen. Typically, however, a fleet insurance policy will include:

• A 24 hour helpline
• A courtesy car scheme
• Uninsured loss protection
• Windscreen cover
• Personal accident cover
• Sometimes breakdown cover
• Sometimes legal expenses cover

Typically fleet insurance is arranged under an “any driver” policy, which means that any employee of your company can drive each vehicle, provided they hold a full license for that type of vehicle.

A typical motor fleet insurance policy requires drivers to be aged 25 or above, but it’s easy to arrange cover for drivers younger than this if required. We can even help you arrange cover for drivers with previous convictions, or cover for a select range of named drivers. All the fleet insurance policies our brokers find can be customised to your exact requirements, so fill in the form today and get started on finding the perfect fleet insurance quote for your needs!

Yes, you can. At GoMotorFleet, our specialist brokers have plenty of experience in arranging this kind of fleet insurance.

Yes, and family fleet insurance can be a cost effective way of addressing your motor insurance needs if you have more than two vehicles. Just as with commercial motor fleet insurance, you can mix different types of vehicles on the one policy, so you can be covered for cars, motorbikes and a horsebox, for example. Fill in a GoMotorFleet quotation form today and see what suits your family.