Fleet Insurance

Fleet Insurance for your trucks, vans and cars

From 3 to 1000’s of vehicles, we provide Fleet Insurance for trucks, vans and cars in any combination and for any type of business. Whether you run a hire fleet, or have a sales team on the road or are in the trade, we can provide you with the level of cover that you need.

We can help with any type of Motor Fleet including;

  • Courier/Delivery Vehicles
  • HGV and Vans
  • Coaches
  • Minibuses
  • Self-Drive Hire
  • Credit Hire
  • Electric Vehicle fleets
  • Tradesman’s Vehicles
  • Agricultural Vehicles
  • Business Cars
  • Refrigerated Vehicles


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What is Fleet Insurance?

Fleet Insurance is a type of insurance policy that covers multiple business vehicles on the same policy instead of covering each vehicle individually.

Whether you are an established business with a clean insurance history or unfortunate enough to have had claims, we’ll help you get the right cover at the right price.

We can even help you obtain fleet cover if you’ve never insured a fleet before. We’ll guide you expertly through the whole process.

What does Fleet Insurance cover?

Fleet Insurance offer multiple levels of cover. It can provide protection for your vehicles, drivers and their passengers, depending on the level you choose. It also covers the cost of damage to other vehicles if your driver is at fault.

Alongside your Fleet Insurance, you may choose to add-on extra policies. These include but are not limited to:

  • Public Liability
  • Employers’ Liability
  • Goods in Transit Cover
  • Breakdown Cover

What doesn’t Fleet Insurance cover?

Your cover depends on the policy you choose to take out. It is important to review your policy documents to ensure that you understand the extent of your policy. However, it is unlikely that you’ll be covered for:

  • Any excess
  • Personal use of company vehicles
  • Non-approved drivers
  • Wear and tear
  • Undisclosed vehicle modifications

What levels of Fleet Insurance cover are available?

There are 3 levels of cover available in Fleet Insurance:

  1. Third-Party: This is the minimum legal requirement and the most basic level of cover. It covers any damage to other people and their property. However, it will not cover your drivers.
  2. Third-Party, Fire and Theft: Offers more cover than third-party as it still covers damage to other people and their property but it also has the added protection of damage to your vehicles by fire or theft.
  3. Comprehensive: The highest level of cover. It includes everything in the previous levels of cover as well as protection for your vehicles in a fault accident.


What are the pros & cons of Fleet Insurance?

  1. PRO: Fleet Insurance offers a fixed rate per vehicle throughout the year, providing the advantage of a lower average premium per vehicle. You can add a vehicle at any time without having to pay the full annual amount, which is particularly beneficial for a growing fleet.
  2. PRO: You have the flexibility of adding or removing vehicles at your discretion. Fleet policies categorised as ‘any driver’ typically cover drivers aged 25 to 70 under specific terms, removing the need to add and name new drivers to the fleet as long as they meet the policy criteria.
  3. CON: If a claim does occur, then it affects the rating of every vehicle on the policy, not just on the vehicle that was involved.

What factors affect my Fleet Insurance premium?

There are many factors that influence the cost of your premium. Premiums are determined on a case-by-case basis and providing an estimate without all the correct information can be challenging.

Below are a few of the factors at play:

  • Number of vehicles
  • Claims frequency/history
  • Claims costs
  • Postcode of risk
  • Age of drivers

Fleet Telematics

Our specialist Fleet Team has years of experience in insurance and utilising the latest CCTV & TELEMATICS technologies. We offer bespoke Risk Management advice to assist you with the running of your fleet.

We have specialist Fleet Teams located in our Glasgow & Liverpool offices who can help with your Fleet Insurance enquiry. Start your free, no-obligation insurance quote right now by calling us on 0333 015 6886 or by completing the quote form.

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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 insurer-installed tech, including telematics and vehicle 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
  • Flexible

    Monthly payments

  • Expert

    Individual service

  • 24/7

    Claims assistance

  • Tailored

    Risk 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.