• Motor Fleet Insurance
  • Business Insurance :  Fleet Insurance

  • Fleet Insurance

    Compare Fleet Insurance Quotes Today!

    Fleet insurance enables a business to insure all of their drivers and vehicles on one single insurance policy, saving both time and money.

    • Our fleet insurance includes...

    • Features and benefits:

      • Specialist Fleet Insurance Brokers
      • Access to top panel of insurers
      • Fast & efficient policy issuing
      • Finance available subject to status
      • Fast policy turnaround
      • Fleet management advice

      • From 2 to 500+ vehicles
      • Breakdown cover
      • Excess Insurance
      • Flexible payment terms
      • Fleet management advice
      • Legal expenses
      • Low excess
      • 24hr claims service

      Additional cover options are available by request.

          • Fleet Insurance

            We compare quotes for you

            As a specialist fleet insurance broker in the UK, we have access to a panel of the largest insurance providers meaning we can get you the best deal on the market. We have already built strong relationships with high-profile fleet insurers to ensure you have the most comprehensive cover at the best price.

            We conduct policy comparisons on your behalf, so you can be sure you're getting the best deal.
            Rather than having to reiterate the same details multiple times to multiple insurers, obtaining motor insurance through Bluedrop means you’ll only ever answer these questions once.

            We then use this information to compare quotes from a top panel of motor insurers, not only to secure you the best possible price, but to ensure that the policy you take out provides adequate cover to meet your commercial needs and protect your financial interests.

            What does fleet insurance cover?

            We cover a wide range of cars, vans, or other vehicles your business owns, under one combined policy for large to mini fleets. If your fleet operates just one type of vehicle, you can simply specify insurance for that particular vehicle type, for instance: van insurance.

            We also offer any driver fleet insurance. This is a huge advantage as it enables your drivers to switch interchangeably between vehicles.

            Your insurance can cover elements such as damage, breakdown, replacement costs or personal belongings as well as support towards legal and medical expenses.

            How much does fleet insurance cost?

            The cost depends on a combination of factors such as the level of cover you need, the age of your drivers, and the condition of your vehicles.

            To calculate your premiums an insurer will ask for some basic information about your fleet, including:

            • How many vehicles are you looking to insure?
            • What are the types of vehicles?
            • What is the nature of your business?
            • How old are your drivers?
            • Which geographical locations do you cover?
            • Do you carry members of the public?
            • Do you carry cargo?
            • Have you made any vehicle insurance claims in the past?
            • What is the age and condition of your vehicles?

            This criteria helps the insurer to determine the level of risk involved, which is a key factor in calculating your premiums.

            How flexible you’d like the policy to be will also have a bearing on price.

            While it can make commercial sense, for example, to insure all your drivers on all vehicles this can impact the policy price you pay.

            Likewise, the age and driving experience of your drivers will also be taken into consideration when working out the cost of your annual premium.

            To this end, many insurers offer insurance on an ‘Any Driver Over the age of 21’ or ‘Any Driver Over the Age of 25’ basis.

            Fleet Insurance

            Tips on reducing your risk

            Our experts are committed to providing a superior service. With this in mind we offer advice on best practice and implementing a risk management strategy for your business' fleet.

            Looking more closely at how you manage your risk there are a few measures that you can take to reduce risk and therefore the cost of fleet insurance  claims to your business. More commonly insurers will be keen on solutions such as:

            • Onboard cameras
            • Proximity sensors
            • Telematics
            • Defensive driver training
            • Speed limiting devices and vehicles
            • Restricting vehicles to one or two drivers
            • Driver background checks

            A company’s recruitment process and driver turnover can be just as important to your insurance provider as implementing technology to measure performance.

            Employers need to think long and hard about the type of driver that they want to attract and how they are going to attract them to their business.

            Good hiring decisions will mean that you are more likely to have the best drivers operating your vehicles and representing your business.

            Choosing your drivers should be undertaken with as much care as recruiting your top-level executives, these individuals will be representing your business and should have the required skills to carry out their duties.

            Goods in transit cover

            Goods in transit cover whilst not a legal requirement is recommended to anyone carrying goods on the behalf of someone else and will insure against loss or damage of those goods. It isn’t included on a standard motor fleet insurance policy.

            Your insurer may also look at additional considerations with goods in transit cover, such as overnight parking locations. They may stipulate not leaving the vehicle un-attended or using safe parking bays.

            Loading and unloading of goods are likely to be included in the policy, although you should check for this, whereas driver’s personal effects may need to be added on if required.

            Our biggest tip on goods in transit insurance is to be fully aware of where your liability ends, and the customers liability begins. Otherwise in many cases you can find yourself uninsured should you promise more to the customer than is recorded in your insurance documents.

            Ready to see how much we could save you?

            Let us compare fleet policies and prices for you.

            At Bluedrop we have access to quotes from a top panel of insurers, allowing us to compare prices and get you a competitive policy that covers all of your needs.  

            To find out how much you could save by switching your individual vehicle insurance to a fleet policy, give our brokers a call or get a quick quote online in minutes.


            What is fleet insurance?

            Fleet insurance is a businesses insurance aimed at companies with two or more vehicles. It makes it possible to insure multiple vehicles – from cars, minibuses, trucks, HGVS and taxis – on a single insurance policy.

            How many cars do you need for fleet insurance?

            To be able to apply for fleet insurance you need at least a fleet of two vehicles or over.  However, this does vary depending on the provider. The maximum is usually up to 500 vehicles, but there are policies available to cover several thousand vehicles, suitable for large enterprises.

            What if one of the drivers has a conviction?

            If any of your drivers has a previous driving conviction, you must refer them to your insurance provider before allowing them to drive. This includes conviction codes such as AC, BA, DD, DR, IN, MS, NE, TT, UT and XX. We advise that all fleet drivers have their driving licences thoroughly checked at least once a year.

            How much does fleet insurance cost?

            The cost of fleet insurance is dependent on premiums, the types of vehicles and the drivers. The cost of your fleet insurance policy factors in how many vehicles are in your fleet, what types of vehicle they are, how old the vehicles are, what condition the vehicles are in, how often they are used, what they are used for and where they are kept when not in use.

            Can I change the vehicles on my fleet insurance policy?

            If you need to add or change vehicles under a pre-existing fleet insurance policy, you can do so by notifying your insurance provider with the updated details to amend the policy. The costs may adjust from any policy amendments, meaning you may need to pay a fee to add them to your current policy.

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