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Fleet Insurance
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Fleet insurance for your trucks, vans and cars
Whether you run a fleet of three or thousands of vehicles, we can help you find Fleet Insurance for your business. We can provide policies for trucks, vans, cars and taxis in any combination, for any type of business, including:
Goods Transportation, Courier or Delivery, HGVs & Vans, Coaches & Minibuses, Self-Drive Hire, Credit Hire, Electric Fleets, Tradesman’s & Agricultural, and Refrigerated Vehicles.
From new start-up businesses, established businesses with a clean insurance history, to fleets with multiple claims, we take pride in finding our customers the right level of cover at the right price.
What is Fleet Insurance?
Fleet Insurance is a type of cover designed for business owners who use multiple vehicles for their work.
If your company uses three or more vehicles, you can insure them all under one policy, simplifying the management of your business.
You may have heard other unofficial terms used in the industry, such as Mini Fleet Insurance. This term usually refers to fleets of less than 5 vehicles.
Levels of Cover for Fleet Insurance
Comprehensive is the highest level of cover you can take out. It’s generally recommended to all fleet owners because it covers most accident scenarios, including damage to any of your vehicles.
Third-Party, Fire and Theft (TPFT) covers your fleet if damage is made to other vehicles and if any claims are made against you, plus it protects your vehicles if they’re stolen or damaged by fire. However, it doesn’t cover any accidental damage to the vehicles in your fleet.
Third-Party Only (TPO) is the minimum level of cover required for your fleet to operate on the road legally. It protects your fleet if your drivers cause damage to someone else’s vehicle or injures a third party, but it will not cover your own vehicles.
The benefits of Fleet Insurance
Insuring all your business vehicles under one policy comes with many benefits, including:
- Saving money – Fleet policies can typically work out cheaper than insuring each vehicle separately.
- Reduced admin – One policy and one renewal date means fewer documents.
- More flexibility – Taking out Any Driver cover means anyone who meets the policy criteria can get behind the wheel.
- Better future rates – Building a good fleet experience can mean lower prices down the line.
Compare Fleet Insurance rates with Patons
Finding the right Fleet Insurance policy at a price you’re happy with can be time-consuming. It’s the last thing fleet owners want to do when they’re already busy managing the ins and outs of their business.
That’s where we can help. We’re an independent, family-owned insurance broker specialising in Commercial Motor Insurance, and we’ve been proudly serving the fleet industry since 1972.
We want to make things easier for fleet owners, which is why we compare quotes from the UK’s leading fleet insurers to find our customers the best quote possible.
How to get cheaper Fleet Insurance
The cost of Fleet Insurance depends on many things, such as your fleet’s claims history, the types of vehicles being insured, and the type of passengers/goods being transported.
Depending on the insurer, you can take steps to reduce premiums, such as:
- Reducing the risk by keeping all vehicles securely parked overnight.
- Hiring drivers with clean licences and no motor convictions.
- Providing training to your employees so they drive safely on the roads.
Fleet telematics
Implementing fleet telematics software can have many advantages. This includes reducing expenses like fuel costs, boosting driver safety, and improving the overall efficiency of fleets.
The latest CCTV & telematics technologies can help you effectively run your fleet. Start your free, no-obligation insurance quote by calling us on 0333 015 6886 or completing the quote form.
Thousands of professional drivers have already trusted us to find the right policy for them. We have access to a specialist team with unrivalled Fleet Insurance knowledge, so you can be confident you’re in safe hands with us.
Getting your Fleet Insurance Quote
Step 1
Fill out the form
We’ll need some information about your business, like the number of vehicles you have, and some information about you, including your name and contact information.
Step 2
We’ll give you a call
We’ll collect some more information from you and review the information you’ve already provided to ensure we have everything needed to get you some quotes.
Step 3
Get your quote
Once we have all the information we need, we’ll contact our panel of insurers to find you the best Fleet Insurance quote possible.
Benefits of Fleet Insurance cover from Patons
- We work with a wide panel of specialist Fleet insurers
- We have long-standing relationships with insurers, meaning we can often get better terms
- Fleet policies for 3 vehicles to 1000’s of vehicles
- Options to reduce premiums for installed tech, including telematics and dash cams
- Superb premiums for established Fleets with good claims experience
- Experienced in obtaining competitive premiums for Fleets with a poor claims history
- Discounts for previously NCB rated policies
- Tailored bespoke Risk Management advice
- Expert individual service from experienced staff
- Deal face-to-face or over the phone
- Secure access to documents online through our App
FlexibleMonthly payments
ExpertIndividual service
24/7Claims assistance
TailoredRisk assessment advice
Frequently asked questions about Fleet Insurance
What is Fleet Insurance?
Instead of insuring your company vehicles individually, Fleet insurance is a type of insurance policy that covers all vehicles in a single insurance policy. Insuring all your vehicles together can potentially save your business money versus insuring each one separately.
How much does Fleet Insurance cost?
The cost of a Fleet Insurance policy is based on many factors and each quotation is bespoke to the fleet. Call us on 0333 015 6886 or fill in the Fleet Quote form and we'll be able to help you find the right Fleet Insurance for your business.
Who are Patons Insurance and what kind of insurance do you offer?
Patons Insurance is a leading insurance broker which has been looking after fleet owners, taxi drivers and motor traders for 65 years. We offer Fleet Insurance, Taxi Fleet Insurance, Single Vehicle Taxi Insurance and Motor Trade Insurance.
Is Fleet Insurance the best option if I have more than one vehicle?
A Fleet Insurance policy might be best for those with more than one vehicle, but we might be able to find a better deal another way. Our specialist Fleet Team will be able to help on 0333 015 6866.
Why do I need Fleet Insurance?
Buying the right policy for your business is crucial as you need to ensure you are covered in the event of an accident, and to stay on the right side of the law.
How many vehicles do I need to have to get Fleet Insurance cover?
A fleet typically consists of 3 or more vehicles, but it can reach up to hundreds of vehicles. Even for smaller fleets, it may work out cheaper to invest in Fleet Insurance rather than individual policies.
What makes you different from your Fleet Insurance competitors?
We have long-standing relationships with a wide choice of reputable insurers across the UK and have been trading since 1972. That’s over 50 years of experience in being at the forefront of the professional driver trade.
You can find us across 4 different regions and in eight different offices, so we’re never too far away.
If you don’t want to take our word for it, pop over to Feefo, where our customers have rated us an impressive 4.8 out of 5 stars.
What happens once I have bought a Fleet Insurance policy?
Once you have taken out a Fleet Insurance policy with us, you will receive an email from our Fleet Support Team with policy documents, such as certificates and confirmation of any required documents (e.g., proposal forms etc).
We will also provide our policy procedures which will include how to make changes to your policy and a payment schedule if applicable.
Can I pay for my Fleet Insurance in instalments?
Here at Patons, we offer the ability to pay in 2/3/6/10/11 monthly instalments. We understand that the added pressure of lump-sum payments can make running a business even more demanding.
Can you have 2 vans on one policy?
The minimum number of vans that we currently accept per policy is 3.
What is Fleet Experience?
Fleet Experience, also known as Claims Experience, is a record that insurance providers use to calculate the cost of your premium.
A variety of factors build your Fleet Experience record, including:
• The number of vehicles in your fleet
• The number of claims made
• The frequency of claims
• The total paid out for all claims
A positive Fleet Experience can lead to lower premiums.
Who needs Fleet Insurance?
Generally, Fleet Insurance is designed for business owners who use 2+ vehicles. Having Fleet Insurance means that all your vehicles are insured under one policy.
At Patons Insurance, we provide Fleet Insurance for businesses with 3+ vehicles.
What types of vehicles are covered under Fleet Insurance?
Most types of vehicles can be insured under a Fleet Insurance policy, such as cars, taxis, vans, minibuses, coaches, HGVs, and agricultural vehicles.
Fleet Insurance can provide cover for a variety of businesses, and a combination of vehicle types can be covered under one policy.
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Fleet News
Taxi Fleet Insurance: A Comprehensive Guide for Operators
Taxi fleet operators need to know every aspect of their business and ensure that everything it does complies with taxi industry regulations.
Practical ways fleets can reduce taxi insurance spend
We often hear advice about how taxi drivers can reduce their taxi insurance premiums, but when it comes to taxi fleet insurance, a different approach is needed to make savings.
Insurance companies calculate taxi insurance premiums based on risk and how likely it is they will have to pay out in the event of a claim.
Who is covered by a taxi fleet insurance policy?
Taxi insurance regulations clearly distinguish between different types of taxi businesses being operated, with public hire insurance needed for black cabs and private hire insurance for PHVs. For a self-employed driver who runs their own car, the differences are straightforward, and each driver must ensure their own vehicle is covered for the type of taxi