Commercial fleet insurance covers multiple vehicles used for business purposes under a single policy, rather than insuring each one separately. It’s typically arranged for businesses running three or more vehicles for work related use.
Commercial Fleet Insurance
Commercial use is one of the most important things insurers look at when assessing a fleet. Vehicles used for business purposes, whether that’s transporting goods, visiting client sites, or general company travel, are usually classed differently to social or domestic use, and getting this classification right matters for whether a claim is covered.
Commercial fleet insurance brings together the vehicles a business uses for work, across almost any type of company, under a single policy. GoMotorFleet connects businesses with specialist brokers experienced in arranging commercial fleet cover for companies of all sizes and sectors.
What Counts as Commercial Use?
Commercial use generally covers vehicles used for business activities such as visiting clients or sites, carrying tools or equipment, or general company travel between locations. This is different to social, domestic and pleasure use, which only covers personal journeys, and it’s also different to hire and reward use, which applies to vehicles carrying passengers or goods belonging to someone else for payment.
Getting this classification right is important, since a policy arranged on the wrong basis could affect whether a claim is paid. It’s worth discussing exactly how your fleet is used with a specialist broker before taking out cover.
Fleets We Can Help Cover
Commercial fleet insurance suits businesses whose vehicles don’t necessarily fall into a single category, or whose operation spans more than one type of vehicle or use. Brokers in our network have experience arranging cover for:
Field sales and account management
Teams using company cars for client visits.
Facilities and maintenance providers
Mixed vehicles for site based work.
Public sector and local authority
Fleets operated by public sector and local authority bodies.
General mixed vehicle fleets
Businesses running a general mix of company vehicles across departments or sites.
Rental and Leasing Fleets
Rental and leasing fleets carry their own considerations. Vehicles are often used by a rotating pool of drivers who aren’t employees of the business, which changes the risk profile compared to a standard company fleet. Depending on the insurer, cover may need to reflect higher vehicle turnover, short term hire agreements, and drivers who haven’t been individually vetted by the business itself.
A specialist broker can discuss whether a standard commercial fleet policy is appropriate for a rental or leasing operation, or whether dedicated rental fleet cover would be a better fit.
What Affects the Cost of Commercial Fleet Insurance?
Factors that typically affect cost include:
Number and type of vehicles
The number and type of vehicles in your fleet.
Claims history
Your fleet’s claims history.
Industry sector
Your industry sector.
Comparing quotes from brokers who specialise in commercial fleets is generally the most reliable way to find cover that reflects your actual operation.
Get Your Quotes
Complete our short online form with details about your fleet so specialist brokers can discuss suitable cover with you.
1
Tell us about your fleet
Provide details about your fleet, including number of vehicles and vehicle types.
2
We’ll match you with specialist brokers
Your enquiry is shared with brokers experienced in commercial fleet cover.
3
Receive and compare your quotes
Speak with the brokers who contact you and decide which option suits your business.