Click4Assistance UK Live Chat Software

Motor Fleet Insurance

Skippy driving a lorry with a smaller lorry beside it

What is Motor Fleet Insurance?

Motor Fleet Insurance is a type of commercial motor vehicle insurance that covers a range of work vehicles, including motorbikes, cars, and vans, all on one policy.

It makes managing your work vehicles easier on one policy, rather than taking out separate policies for each vehicle in the fleet particularly if you need flexibility when it comes to drivers if you have a fluid workforce.

If one of your work vehicles is stolen or involved in an accident, your Motor Fleet Insurance will help minimise the disruption to your business.

The three levels of Motor Fleet Insurance

As with standard motor insurance, the minimum cover you need (by law) is third party only. However, you can increase this level of cover if you want greater peace of mind:

Fully comprehensive cover icon
Fully Comprehensive

This includes the cover you’d receive with TPFT, with added protection for your own vehicles if you’re involved in a collision that’s your fault.

Third party, fire & theft icon
Third Party, Fire and Theft

The same as TPO, but with cover for your vehicles if they’re stolen or damaged by fire.

Third party icon
Third Party Only

Covers any damage you cause to other people and their property. It doesn’t cover repairs to your own vehicles.

Types of Motor Fleet Insurance

Once you’ve selected the level of cover needed, we’ll help you to decide the right type of insurance for your business.

There are two choices:

Multiple people icon
Any Driver Policy

This includes the cover you’d receive with TPFT, with added protection for your own vehicles if you’re involved in a collision that’s your fault.

Named driver icon
Named Driver Policy

The same as TPO, but with cover for your vehicles if they’re stolen or damaged by fire.

In addition, there are some core covers we’ll check you’re insured for, including Employers’ liability insurance and public liability insurance.

Motor Fleet optional extras

As a broker, we can recommend policies from the most suitable providers for your business needs.We’ll also make sure you’re not paying for cover you don’t need and can give you expert advice on the products we offer.There are optional extras we can add to tailor your Motor Fleet Insurance to your exact needs, including*:

*Limitations and exclusions apply to all these add-ons.

Who needs Motor Fleet Insurance?

If you own a van, under the Road Traffic Act, if it is not declared SORN, then you need a valid insurance policy to drive it, the minimum being ‘Third Party Only’. If you use a van to make a living, it’s commercial van insurance you’re after. This could be for travelling to different work locations with a van full of tools, goods, or materials for business purposes.

Enquire now
HGV (Heavy Goods Vehicle) icon

Why use GoSkippy 4 Business?

We are an insurance broker set up to bring you first class insurance at the most competitive prices we can find.

We search a range of market-leading insurers to find you the best deal. Please note, the cheapest way to get a quote from us is online.

We’re an established UK broker icon

We’re an established UK broker

Affordable price icon

Affordable price

Quality cover icon

Quality cover

Top customer service icon

Top customer service

Motor Fleet Insurance

"*" indicates required fields

(e.g. Johnathan Smith)
(e.g. John's Business)
(e.g example@email.com)
This field is for validation purposes and should be left unchanged.

Looking to contact us a different way?

Email icon