Fleet insurance
When fleet is cheaper than individual policies
Usually around two or three vehicles, fleet starts working out cheaper.
The break-even point depends on your trade, your drivers, and the vehicles. As a rough rule of thumb, once you have two or more commercial vehicles on the road for the business, getting a fleet quote alongside individual ones is worth doing.
Why fleet wins
- One renewal date instead of two, three or twenty. Saves admin.
- One claims line across the whole fleet.
- Mid-term changes (adding or removing a vehicle) usually come with no admin fee on a fleet policy.
- Pricing on the whole crew, not driver-by-driver, which often works out cheaper when you have a mix of experienced and younger drivers.
When individual is still better
If one driver has heavy claims history and the others are clean, you can sometimes get a better price keeping that one driver on their own individual policy. Quote both ways and compare.
Start a fleet quote for two vehicles or more.
Still stuck? Broll-e or the team will sort you out.