Motor Fleet Insurance can also be known as ‘multi car’ ‘commercial fleet’ ‘vehicle fleet’.
Motor Fleet Insurance is a type of insurance cover that has been specifically designed for companies owning multiple vehicles (typically a minimum of two), it can include cars, trucks, vans, lorries, HGVs or a combination of all.
If you’re a business owner or employee responsible for a minimum of two vehicles, fleet insurance is the one for you, regardless of what industry you operate in or the size of your business.
What does motor fleet insurance cover?
Similar to your own personal car insurance, there are three main covers being offered, these are:
Third party: the minimum cover needed by law, third party aims to protect you against costs that arise from injuries or damage to other people and their vehicle.
Third party fire and theft: same as third party above but additionally protects against your vehicle being stolen or destroyed in a fire.
Comprehensive: this is the highest level of cover available. It will include third party, third party fire and theft as well as protection against:
- Medical expenses and accidental damage
- The cost of replacing a vehicle’s contents
Please note, even though there are three main policy types, cover limits can be different depending on your insurer. At Brokers Inc, we ensure to talk you through your associated risks and recommend cover based on the nature of your business. Should the worst happen, we’ll ensure you know what you’re covered for – getting you and your business back on it’s feet (or fleet!) as soon as possible.
Is Motor Fleet Insurance required by UK law?
If you’re responsible for employees who have a company vehicle, you are required to ensure they have the minimum level of cover provided under UK law.
Why do I need motor fleet insurance?
Having this type of insurance can save costs in comparison to insuring vehicles individually, as well as simplifying the management of insurance by covering all vehicles under one policy.
To find out more about this product, visit our product page.
1. Supporting a client dissatisfied with their broker’s service
A client recently approached me due to poor service from their existing broker. After conducting a full market review, I secured a more competitive fleet insurance policy that maintained their level of cover. On top of the premium savings, I offered a fair and transparent admin fee—delivering better overall value without compromising on service or protection.
2. Breaking a 25-year broker relationship
I recently won a client who had been with the same broker for 25 years. By providing a fresh perspective, responsive communication, and a comprehensive market review, I identified a policy that fully met their needs and saved them £1,500. The client valued the personal approach and the clear benefit of switching, making the decision to move their business a straightforward one.
3. Saving on a private medical insurance renewal
Having already looked after this client’s other policies under a different business, they asked me to review their private medical insurance at renewal. After assessing their existing cover, I found a more cost-effective alternative with equivalent benefits. The result: a meaningful saving, continued protection, and another policy brought under our care—driven by trust and transparency.
If you have any questions regarding motor fleet insurance or you want to explore your options, get in touch with the Brokers Inc team today.
Email: enquiries@brokersinc.co.uk
Phone: 0333 577 1477
If you would prefer to leave your details with us and we contact you, you’ll find our enquiry form here.