Motor Fleet Insurance

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Guide to Cover

Fleet insurance is designed for businesses with multiple vehicles that can be easily managed from one policy with one renewal date.

We understand fleets come in different shapes and sizes therefore, we have various markets that offer tailored solutions to meet the individual needs of your business.

A fleet could consist of owned or hired in company cars, vans, trucks, agricultural vehicles or even a mixture of them all.

If you have 3 or more vehicles, please call us on 01962 774421 to put together your fleet quotation. Alternatively, if your current insurance renewal date isn’t within 60 days, please complete our Renewal Dates form by clicking on the button below and we will get in touch with you closer to the time.

Renewal Date

Available Cover

  • Private Car, Goods Carrying Vehicles, Special Types, Agricultural

  • Comprehensive, Third Party Fire & Theft, Third Party Only

  • Motor Legal Expenses

  • Breakdown Cover


What is the "Duty of Fair Representation"?

The Insurance Act of 2015 has created a “Duty of Fair Representation”. This means that anyone who is part of an organization’s senior management or who is responsible for arranging company insurance has a duty to accurately describe the business and disclose every material fact or circumstance known, or that ought to be known, including but not restricted to previous claims, criminal convictions and bankruptcy.

A fact is material if it would influence the judgement of an insurer in deciding whether to accept the risk, including its terms and pricing.

You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search. A failure to disclose material facts could compromise your cover in the event of a claim and if insurers later discover that you breached your duty to make a fair representation and such breach would have resulted in the insurers not accepting the risk, then the policy may be voided and any claims may be refused. If the insurer would have accepted the policy but with any additional exclusions, then those exclusions that would have been imposed will apply, alternatively if the insurer would have accepted the policy but at a higher premium, then the insurer will be able to reduce the cover on a proportionate basis. If the breach was deliberate or reckless then the insurers may void the policy and retain the premium.

If you are in doubt as to whether a fact is material, we recommend you disclose it. Examples may be incidents which have occurred (damage to property or break-ins) for which you have not claimed, or processes you carry out which are not consistent with the business description.

The Duty of Fair Representation applies at the start of the policy, at renewal and when any variation of the policy is arranged.

Can I add Temporary Hired In Vehicles onto my Fleet Policy?

Yes, you can. Our aim is to ensure we find you a Fleet Policy that fits your requirements not only at inception but also throughout the policy. As a business, if you have a sudden increase in demand and are required to hire in additional vehicles to fulfil that demand, we will ensure we find you a policy that is flexible enough to accommodate that.

What are the benefits of having a Motor Fleet Policy and what factors affect price?

One of the main benefits of a Fleet Policy is having all of your vehicles on one policy with one renewal date making it easier for you to manage. Fleet policies also provide that flexibility for businesses that require any employee to drive any vehicle and when it comes to adding and removing vehicles. Some of the main factors that affect the price are the number and types of vehicles and where they are stored overnight. Fleet policies are also priced based on how the whole fleet performs as opposed to individual vehicles.


Always on hand to to provide you with information, advice and guidance.

01962 774421

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