Fleet
Insurance

Fleet Insurance works by covering all the vehicles you use within your business under one policy. It will be registered in the name of the company itself or the name of a partner or director.

Motor fleets can vary in size depending on your operation:

• Small fleets - Local trade businesses may have a fleet of as few as two vehicles. This is sometimes referred to as a 'mini fleet'. We work with some insurers who offer cover for two-vehicle fleets.
• Large fleets - Some firms can have hundreds of vehicles in their fleet, so they often benefit most from a large Fleet Insurance quote. Through Autonet, you could get a quote for fleet sizes between 2-12, going up to 15 at renewal. 

Depending on your circumstances, a Fleet Insurance policy can provide protection for:

• Loss of, or damage to, your vehicles
• Vehicle recovery in the event of a breakdown or accident
• Support with paying legal fees
• Damage to your vehicles' windscreens and windows
• Replacement locks should your keys be stolen
• Help towards medical expenses should you or a passenger be involved in an accident in a vehicle that's part of your covered motor fleet
• We understand that specific business needs can be complex. That's why we also provide fleet insurance for:
• Protection of personal belongings that are lost or damaged in a vehicle insured under one policy
• Trailers attached or connected to a vehicle insured under the policy

Please note that all the benefits are subject to the policy you choose through our panel of insurers.

We use a panel of insurers to give you two cover options for your Fleet Insurance policy:

• Comprehensive - The highest standard level of insurance you can have for your vehicles. A comprehensive fleet insurance policy covers you for damage to your vehicles, as well as any damage caused to other vehicles in a collision. You can claim for damages even if your drivers are deemed to be at fault.
• Third Party, Fire & Theft (TPFT) - While you won't be able to claim for most damages to your vehicles on TPFT, you will be able to claim if they're stolen or catch fire. You'll also be covered for any damage to other road users and their cars.

The types of vehicles required for a successful operation vary from business to business. Fleet Insurance through Autonet covers multiple vehicles in the following types:

• Cars
• HGVs and trucks
• Minibuses
• Vans

This will vary between insurers and most will set a minimum and maximum number of vehicles for a fleet.

A small fleet typically consists of two vehicles minimum. However, a much larger fleet can include hundreds or thousands of vehicles, depending on the size and nature of the business.

The cost of your Fleet Insurance is dependent on a number of factors, including the size of your fleet, your vehicle models, the type of cover you're looking for, the drivers and your claims history. The amount of voluntary excess you're willing to pay can contribute to the overall cost, too.

If you'd like to find out your Fleet Insurance quotes, use our handy online service and get a quote today.

If you need to make a claim, you can reach us 24/7 on 03303 439 244. Our claims handlers will guide you through everything, while it can speed things up if you have the following:

• Your policy details
• Details relating to your claim
• Supporting evidence (e.g. photos or police reports)

Learn more about the process of making a claim.