Why Compare Fleet Insurance?
One Policy, One Renewal
Separate policies mean separate dates, documents and renewal calls. Clean Green Cars introduces you to specialist brokers who can place cars, vans and mixed vehicles on one fleet schedule.
Drivers Can Move Between Vehicles
Staff often need to take the vehicle that is free, not the one named on a policy. Clean Green Cars introduces you to specialist brokers who can arrange named-driver or any-driver terms to match how the fleet works.
Built For Fleets That Change
Vehicles get bought, sold and moved between depots during the year. Clean Green Cars introduces you to specialist brokers who can amend the schedule mid-term and use the fleet's claims record at renewal.
Fleet Insurance At A Glance
- One schedule covers your whole fleet, so cars, vans and mixed vehicles renew on a single date.
- Specialist brokers can arrange any-driver terms, letting staff move between vehicles without rebooking cover.
- Telematics or a clean claims record could ease your renewal over time.
- Vehicles can usually be added or removed mid-term without a new policy.
- Get fleet quotes from specialist brokers above.
How Fleet Cover Works
One Schedule
Every vehicle sits on a single document with one renewal date instead of many staggered policies.
Driver Basis
You choose any-driver terms or a named list, depending on how your staff share vehicles.
Mixed Vehicles
Cars, vans and larger vehicles can sit together, which mainstream insurers rarely allow. Smaller operators can start with small fleet insurance.
MID-Term Changes
Vehicles can usually be swapped in or out without rewriting the whole policy.
Setting Up Your Fleet Policy
Specialist brokers can quote faster when the fleet details are ready before you start.
- Vehicle Schedule - List every vehicle with registration, make, value and how each is used.
- Driver Details - Provide driver ages, licence types, claims history and any convictions.
- Claims Record - Gather three to five years of claims history so the fleet can be rated on its own record.
- Use And Trading Details - Explain business use, depot locations and any specialist work, such as courier, haulage or passenger transport.
Cover Levels Explained
Pick the lowest cover level and one at-fault accident could mean buying a replacement van from cash flow. Here's what each level could include.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Accidental damage to fleet vehicles | Included | Not included | Not included |
| Fire and theft of insured vehicles | Included | Included | Not included |
| Injury or damage to third parties | Included | Included | Included |
| Any-driver or named-driver basis | Optional | Optional | Optional |
| Windscreen and glass cover | Often included | Sometimes | Not included |
| Tools or goods in transit | Add-on | Add-on | Not included |
| Replacement vehicle while off road | Optional | Optional | Not included |
| Breakdown and recovery | Add-on | Add-on | Add-on |
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: If most vehicles are vans, ask whether tools and goods in transit sit inside the motor policy or need a separate section. Many fleet schedules leave that gap open. You can also compare standalone van insurance for a single vehicle.
What May Not Be Covered
A single exclusion can leave a £15,000 van write-off sitting entirely on the business. Here's what a fleet policy usually may not include.
Standard Exclusions
- Undeclared drivers - A claim may be declined where the driver was not on the agreed basis or sat outside the age terms.
- Wrong use class - Using a vehicle for hire or reward when only business use was declared may not be covered.
- Unroadworthy vehicles - A claim is likely to be declined where a vehicle was not maintained to a roadworthy standard.
Important Limitations
- Goods or tools in transit - Stock and equipment carried in a van is often excluded from the motor section unless added separately.
- Lapsed database entry - Failing to keep the Motor Insurance Database current can cause problems at claim time and enforcement action.
Extras Worth Considering
Skip the wrong extra and a depot break-in could land outside your motor cover. Here's what's worth considering.
May help cover stock and equipment carried in fleet vehicles, which the motor section often excludes.
May be needed if a roadside failure could strand a delivery or a staff vehicle mid-shift.
May help keep the business moving by providing a like-for-like vehicle while one is off the road.
May help cover the shortfall between a payout and the cost of replacing a written-off fleet vehicle.
What Affects The Cost?
Underdeclare fleet mileage or your driver list and a future claim could be cut for misrepresentation. Here's what shapes the price.
| Key Factor | Impact on Your Price |
|---|---|
| Number and type of vehicles | More vehicles and heavier vans typically raise the overall premium, though a larger fleet can spread risk. |
| Driver ages and licences | Younger or newer drivers usually push the price up, especially on any-driver terms. |
| Claims history | Three to five years of claims shape your terms. A clean record often eases renewal. |
| How vehicles are used | Long-distance or urban delivery use tends to cost more than light local mileage. |
| Driver basis chosen | Broad any-driver cover usually costs more than a named-driver list. |
| Telematics in place | Tracked driving data can give brokers evidence of lower risk, which may help over time. |
The quotes you get will depend on your own details, the vehicles on the schedule and your claims record. For context, the ABI average UK motor premium was around £560 (Q1 2026, as at March 2026), though a multi-vehicle fleet is priced on its own driver and claims profile rather than a single-car average.
Price Insight: Fleet premiums are usually driven by the worst driver-vehicle pairing, not the average. Moving your two newest drivers off the high-value vans and onto the pool cars often does more for the renewal than a fleet-wide tracker. Company-car fleets can compare company car fleet insurance terms too.
Ways To Cut Your Premium
Renew on autopilot and a ten-van fleet can quietly pay hundreds more per vehicle than a fresh comparison. Here's how to cut that back.
Fit Telematics
A fleet-wide tracker gives brokers hard evidence of careful driving, which could soften the renewal after a clean year.
Tighten The Driver List
Restricting younger drivers to lower-value vehicles often reduces an any-driver loading.
Raise The Voluntary Excess
A higher voluntary excess can lower the premium, but keep it at a level the business could absorb on every vehicle.
Consolidate Renewals
Moving every vehicle onto one date avoids duplicate policies and gives brokers a clearer risk to price.
Keep Records Tidy
Accurate mileage, driver and claims data prevents loadings that come from cautious assumptions.
Saving Tip: Tighten who can drive what. Restricting your youngest or newest drivers to lower-value vehicles may soften an any-driver loading (an increase in premium that reflects higher perceived risk), because most fleet policies price the riskiest driver-vehicle pairing hardest.
How To Compare Quotes
A fleet needs a full vehicle and driver schedule before an accurate premium can be calculated. Get started above when it's ready.
Build Your Schedule
List every vehicle with registration, make, value and use, plus all drivers and their licence details.
Set The Driver Basis
Decide between any-driver terms or a named list based on how staff share vehicles.
Gather Claims History
Pull three to five years of claims so brokers can price the fleet accurately.
Compare Specialist Brokers
Use the form above so Clean Green Cars can introduce you to specialist brokers for mixed fleets.
Check The Cover
Confirm the driver basis, any transit cover and the excess before you accept terms.
What Our Expert Says
The fleets that get the worst terms aren't the riskiest. They're the ones whose paperwork doesn't match reality.
A common pattern is a builder with five vans who lists three drivers but lets any labourer move a van around site, or a sales fleet that quietly added two cars nobody declared. When a claim lands and the driver isn't on the policy, the insurer may decline it and the loss could sit with the business. There's also a quieter trap: a vehicle sold but never removed from the Motor Insurance Database, which is a legal duty under Continuous Insurance Enforcement and surfaces at exactly the wrong moment. Specialist brokers read a blended fleet as one risk, which is why a mixed car-and-van schedule places far more easily through them.
Match the schedule to who actually drives. That single habit wins better terms.
Insurance Expert & Co-founder of Clean Green Cars
Common Questions
How Many Vehicles Do I Need For Fleet Insurance?
No UK law sets a minimum, but many insurers treat five or more vehicles as a fleet. A two to four vehicle mini-fleet is usually placed through specialist brokers, with a minimum driver age often 21 or 25 (ABI, as at 2026).
Can Cars And Vans Go On One Fleet Policy?
Yes. A mixed schedule such as three cars, two vans and an HGV holds one fleet policy and one renewal date. Every vehicle must still appear on the Motor Insurance Database, and specialist brokers price these blended fleets where mainstream motor insurers often decline them.
What Is Any-Driver Fleet Cover?
Any-driver cover lets any qualifying employee drive any fleet vehicle, usually with a minimum driver age of 21 or 25 (ABI, as at 2026). A named-driver policy typically costs less.
Is Fleet Insurance Cheaper Than Individual Policies?
Often. One policy for a ten-van fleet can beat ten separate motor policies on admin and pricing. For context the ABI average UK motor premium was around £560 (Q1 2026), but a fleet is priced on its own driver ages and three to five years of claims history.
Can I Add A Vehicle MID-Term?
Usually yes. Add a seventh van and most fleet cover absorbs it without a new policy, but the Motor Insurance Database must be updated promptly under Continuous Insurance Enforcement.
What Information Do I Need For A Fleet Quote?
A schedule with registrations and values, every driver's age and licence, vehicle use, and three to five years of claims history. Minimum driver age is often 21 or 25 (ABI, as at 2026).
Do Fleet Policies Need Telematics?
Not always, though trackers are common on larger fleets. Fleet telematics gives specialist brokers driving evidence that could ease your premium after a clean year (ABI, as at 2026).
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who cover mixed car and van fleets and any-driver terms. They contact you with fleet quotes to compare, with no obligation to buy.
Search & Compare Quotes From UK Fleet Insurance Providers
Useful Resources
- GOV.UK Vehicle Insurance - The official rules for driving insured on UK roads.
- ABI Motor Insurance Guidance - Consumer guidance on motor insurance cover, claims and choosing a policy.
- askMID - Check if a vehicle appears on the Motor Insurance Database.
- Motor Insurers' Bureau - Information about the Motor Insurance Database and uninsured driving rules.
