What is fleet insurance?

Fleet insurance is a type of insurance policy that covers multiple vehicles under one policy, often used by businesses managing a fleet of vehicles.

Who needs fleet insurance?

Businesses that own or operate a fleet of vehicles, such as delivery companies, taxi services, or businesses with multiple company cars, typically need fleet insurance.

How many vehicles do I need to qualify for fleet insurance?

Fleet insurance typically applies to businesses with a minimum of two vehicles, but the exact number can vary depending on the insurer.

What are the benefits of fleet insurance for my business?

Fleet insurance offers benefits such as cost savings, simplified management, and more flexible coverage options for businesses with multiple vehicles.

Can I add new vehicles to my fleet insurance policy at any time?

Yes, most fleet insurance policies allow you to add new vehicles to the policy at any time, ensuring continuous coverage.

What types of vehicles can be covered under fleet insurance?

Fleet insurance can cover a range of vehicles, including cars, vans, trucks, and specialist vehicles used for business purposes.

How is the cost of fleet insurance determined?

The cost of fleet insurance is determined by factors such as the number of vehicles, the type of vehicles, the drivers' experience, and the business's claims history.

What factors affect my fleet insurance premium?

Premiums are affected by factors like the size and type of fleet, the driving history of employees, the level of coverage, and the geographical area in which the vehicles operate.

Can I insure a fleet of both company and personal vehicles?

Typically, fleet insurance covers only company vehicles. However, some insurers may offer policies that can cover a combination of company and personal vehicles used for business purposes.

What does a fleet insurance policy cover?

Fleet insurance generally covers third-party liability, comprehensive damage, fire, theft, and sometimes personal injury to drivers and passengers.

How does Gavello’s fleet insurance auction process work?

Gavello uses a reverse auction system where brokers compete for your business by offering the most competitive quotes, and you control the auction process.

Can I get a quote for fleet insurance online?

Yes, Gavello’s platform allows you to receive quotes for fleet insurance online through our unique auction-based system.

How do I compare fleet insurance quotes from different brokers?

You can compare fleet insurance quotes directly on the Gavello platform, where brokers provide competitive quotes in real-time during the auction process.

Is fleet insurance the same as commercial vehicle insurance?

Fleet insurance is a type of commercial vehicle insurance, but it specifically covers multiple vehicles under one policy, whereas commercial vehicle insurance may apply to individual vehicles.

What is the difference between comprehensive and third-party fleet insurance?

Comprehensive fleet insurance covers both damage to your own vehicles and third-party damage, while third-party insurance covers only damage caused to others.

How can I reduce the cost of my fleet insurance premiums?

You can reduce premiums by having a good claims history, maintaining good driving standards, increasing your excess, or reducing the number of vehicles insured.

What documents do I need to provide for fleet insurance quotes?

You will typically need to provide vehicle details, driver details, business type, claims history, and usage information.

Are there any exclusions in fleet insurance policies?

Common exclusions in fleet insurance policies include damage caused by reckless driving, vehicles used for illegal purposes, or vehicles not listed in the policy.

How do I renew my fleet insurance policy?

Fleet insurance can typically be renewed online through your insurance provider's platform, or by contacting the broker who handles your account.

What happens if I need to file a claim under my fleet insurance?

To file a claim, contact your broker or insurer directly, provide details of the incident, and they will guide you through the claims process.

Can I customize my fleet insurance coverage?

Yes, most fleet insurance policies offer customization options, including coverage levels, excess amounts, and additional features like breakdown cover or legal expenses.

Is there a discount for insuring a larger fleet of vehicles?

Yes, many insurers offer discounts for larger fleets, as they present less risk per vehicle and are easier to manage under a single policy.

What is the minimum coverage required for fleet insurance?

The minimum required coverage for fleet insurance typically includes third-party liability. Comprehensive coverage can be added for additional protection.

Do I need to have a fleet management system to get fleet insurance?

A fleet management system is not required, but it can help with tracking vehicles, improving safety, and potentially lowering premiums.

How can I ensure my fleet insurance policy is compliant with legal requirements?

Ensure your fleet insurance policy meets the legal minimums required by your country's laws, such as third-party liability coverage, and regularly check for updates to legal requirements.

The UK's First & Only Online Fleet Insurance Comparison

Get competitive quotes for your fleet insurance, Gavello simplifies the process with true online quotes, so you never have to make a phone call.

True Online Quotes

50+ Specialist Brokers

No Phone Calls Required

Why Compare Fleet Insurance With Gavello?

✓ UK's Only Online Fleet Insurance Quotes
✓ See Prices Online - No Phone Calls
✓ Providers Compete for Your Business

Start Your Quote →

UK's First Fleet Insurance Online Comparison Service

True Online Quotes

The UK's first digital platform to provide fleet pricing without the need for manual broker callbacks.

UK's Only Digital Portal

Access the only comparison engine in the UK market built specifically for online fleet insurance matching.

No Phone Calls Required

A 100% digital journey*, simplifying the comparison process for cars, vans, and HGVs through proprietary technology.

gavello online motor fleet insurance quote

Fleet Insurance Made Smarter with Gavello

Managing a fleet of vehicles doesn’t have to be complicated. With Gavello’s Fleet Insurance, you can cover cars, vans, trucks, or any combination with a single, streamlined policy. Our innovative online auction platform goes beyond traditional insurance by providing you with real-time quotes, ensuring competitive prices and tailored coverage for your business needs. Simplify your fleet management with Gavello’s smarter, more efficient approach to insurance.

Benefits of Fleet Insurance

One Policy, Multiple Vehicles

Simplify your admin with a single policy that covers all your fleet vehicles—no need to track renewal dates or manage different insurers.

Cost Savings

Consolidated cover often comes at a lower cost per vehicle compared to individual policies. Plus, with Gavello’s auction-style quotes, insurers compete to offer you their best rates.

Flexible Cover Options

Choose coverage levels based on your needs — comprehensive, third-party, fire & theft, or third-party only. Add-ons like breakdown cover, replacement vehicles, or goods-in-transit are available.

Improved Claims Management

Streamline claims handling with one point of contact and consistent service across all vehicles.

Start Your Quote

How Fleet Insurance Works with Gavello

Tell Us About Your Fleet

Provide us with key details about your fleet, such as vehicle types and usage. This information allows us to tailor the best insurance options to suit your business, whether you have cars, vans, trucks, or a combination of vehicles.

Providers Compete for Your Business

Providers will bid for your business once you’ve shared your fleet details. Each provider competes to offer the best pricing and terms, ensuring you get a competitive deal for your fleet’s needs while maintaining appropriate cover.

Compare Tailored Offers

Review and compare tailored offers from multiple providers. Our platform enables you to compare quotes for cover and any policy add-ons, allowing you to make an informed decision on the best option for your fleet and budget.

Choose and Secure Your Cover

Choose from a range of cover options tailored to your fleet’s needs. Compare each offer’s terms, price, and benefits to find the most suitable protection that provides the best value for your business.

Types of
Businesses Covered

Delivery & Courier Services

Tradespeople (plumbers, electricians, builders)

Taxi & Chauffeur Firms

Sales Teams & Field Service Providers

Construction & Logistics Companies

Car Rental Businesses

Nonprofits & Charities with Transport Needs

Features with Gavello

Tailored Auction-Driven Insurance

Gavello is the first and only platform offering auction-driven insurance quotes, allowing businesses to receive competitive bids tailored to their specific needs. This dynamic process ensures you only pay for what you need, with full transparency and control.

Simplified Process with One Trusted Provider

Eliminate the complexity of dealing with multiple insurers and phone calls. Gavello connects you with a single provider, streamlining the entire insurance process, reducing admin time, and improving communication efficiency for businesses.

Exclusive Niche Insurance Solutions

Gavello specialises in niche insurance products that are not typically found on traditional comparison websites. Whether it’s fleet, motor trade, or other specialised product cover, we offer bespoke solutions designed to meet the unique needs of your business.

What Types of Vehicles Are Covered By Fleet Insurance?

Fleet insurance covers a variety of business vehicles, from company cars, delivery vans, commercial HGVs, to minibuses, coaches, and utility vehicles. It also protects specialised vehicles, such as construction equipment and delivery motorcycles, all under one policy for convenience and cost-effectiveness.

Construction Vehicles

Taxis and Private Hire Vehicles

Vans and Light Commercial Vehicles

Company Vehicles

Heavy Goods Vehicles and LGVs

Utility Vehicles

Dump trucks (trippers)

Delivery / Courier Vehicles

Minibuses and Coaches

Cars

Motorcycles and Fleets of Two-Wheeled Vehicles

How many vehicles will a fleet insurance provider cover

A fleet insurance policy typically covers a minimum of two vehicles, depending on the vehicles, but most providers will cover fleet sizes of three or more vehicles.

The number of vehicles covered depends on the insurer’s policy terms, with some providers offering flexible options for businesses with larger fleets. Whether you have a handful of vehicles or a large fleet of HGVs, vans, or specialised vehicles, fleet insurance allows you to insure all of them under one policy for streamlined management and cost efficiency. The policy can be adjusted later on to accommodate any number of vehicles as your fleet grows.

What Are the Levels of Cover with Motor Fleet Insurance?

Comprehensive Cover
Comprehensive cover is the highest level of protection available. It covers damage to your own vehicles as well as third-party liabilities, including accidents, theft, fire, vandalism, and natural disasters. This level is ideal for businesses seeking complete peace of mind, as it ensures full protection for both your vehicles and any third-party property involved in an incident.

Third-Party, Fire, and Theft Cover
This level of cover provides protection for third-party damage and liability, as well as coverage for fire damage and theft of your vehicles. It offers more protection than basic third-party only cover but is still more affordable than comprehensive cover, making it a good choice for businesses looking for a balance between cost and cover.

What Add-Ons Can I Include In My Fleet Insurance Policy?

Personal belongings cover

Personal belongings cover protects items inside your vehicles, such as tools, equipment, or personal items of employees. This add-on ensures that if these belongings are damaged, lost, or stolen while in your fleet vehicle, they are covered, providing added security for your business assets.

Liability cover

This add-on includes both Public Liability and Employers’ Liability, ensuring your business is covered in case of accidents that result in legal claims. It’s an important addition for businesses that operate in high-risk environments or rely heavily on their fleet for daily operations.

Hire and reward

Hire and reward cover is essential for businesses that charge for transporting passengers or goods. This add-on ensures that your fleet is covered when vehicles are used for commercial purposes, such as passenger transport, or courier services. It provides the necessary protection if any incidents occur while vehicles are being used to earn income for the business.

Breakdown cover

Breakdown cover ensures that your vehicles are protected in the event of a mechanical failure or breakdown. This add-on provides roadside assistance, towing services, and help with getting your vehicles back on the road quickly, minimising downtime for your fleet. It’s a valuable addition to keep your business running smoothly in case of unexpected breakdowns.

Legal expenses cover

Legal expenses cover helps protect your business against the costs of legal proceedings. This add-on provides coverage for legal fees and costs arising from incidents such as accidents, disputes, or claims involving your fleet vehicles. It ensures that your business is not financially burdened by expensive legal matters, providing peace of mind if legal action is required.

Replacement locks

Replacement locks cover provides protection if the keys to your fleet vehicles are lost or stolen. This add-on ensures that the locks on your vehicles are replaced, safeguarding your vehicles and any valuable goods inside. It helps reduce the risk of theft and the associated costs of changing locks, providing extra security for your fleet.

Goods in transit cover

Goods in transit cover protects the items being transported by your fleet vehicles. Whether you’re delivering goods or materials, this add-on ensures that any damage, loss, or theft that occurs while the goods are in transit is covered. It’s a crucial add-on for businesses that rely on transporting valuable or fragile items to clients or job sites.

Courtesy vehicle cover

Courtesy vehicle cover provides a replacement vehicle for your business if one of your fleet vehicles is off the road due to an accident or mechanical failure. This add-on ensures that your operations continue smoothly, minimising disruption and helping you maintain productivity while repairs are underway.

Trailer cover

Trailer cover protects the trailers attached to your fleet vehicles, including damage, theft, or loss. This add-on ensures that your business is covered for any incidents involving trailers used for transporting goods, equipment, or other assets. It provides peace of mind knowing that both your vehicle and trailer are fully protected while on the road.

How Much Does Fleet Insurance Cost?

The cost of fleet insurance depends on factors such as the number and type of vehicles, the level of cover, and the driving history of your drivers.

Larger or specialised vehicles, as well as higher-risk industries, typically result in higher premiums. For a small fleet of 2 to 5 vehicles, premiums can range from £1,500 to £3,000 per year, but prices vary based on your specific needs. To get an accurate quote, it’s best to request a tailored estimate.

Number of Vehicles	Cost per Vehicle	10% Discount Savings	20% Discount Savings	30% Discount Savings	40% Discount Savings
3	500	£150	£150	£150	£150
5	£1,000	£500	£500	£500	£500

Start Your Quote

Frequently asked questions

What makes Gavello different?

With many other sites, you won’t be able to get quotes online. They’ll simply share your contact information with multiple insurance providers, who will contact you and ask that you share all of your insurance needs. It means you’ll get multiple calls and if you want a quote from more than one of the providers, you’ll need to share your information each time. With Gavello, you only have to share your information once. We’ll share it with our panel of insurance providers without disclosing your contact information. They can then respond via Gavello with online quotes that you get to review before choosing. And we only share your contact information with the insurance provider you chose, so you’ll only get one call at a time to suit you.

Am I buying my insurance from Gavello?

No, Gavello doesn’t sell insurance. What we do is help you to find the right insurance provider, with the best product and price for your needs from our panel, without you having to speak to each and every one.

Which insurance providers does Gavello help me to find?

At Gavello we have carefully selected and vetted a specialist panel of insurance providers who are all experts in specific insurance products. We check that they are all authorised and regulated by the Financial Conduct Authority before we let them join our panel. And we conduct regular, ongoing checks to ensure they maintain the highest standards.

Do I need to fill in all of the details in order to get quotes?

If you want to receive quotes back, then yes, you do. An insurance provider can only offer a product, with its associated premium and any other accompanying features and/or conditions if they have all of your detailed insurance needs. This is true whether you use Gavello or not.

What happens if I don’t fill in all of the details?

You won’t be able to start an auction without providing your insurance needs by completing our carefully designed forms. If you only provide your contact information without all of these insurance needs detailed, then with your consent, we may get one of our specialist insurance providers to contact you in order to help.

How does my auction process work?

Once you’ve completed our carefully designed form and provided your contact information and insurance needs, your auction begins. We automatically share your needs with our carefully selected panel of insurance providers. At this stage, we do not share your contact information, so no one should call you. They will review your insurance needs and respond via Gavello with price offers and associated policy features and/or conditions. Each time a provider responds, we’ll alert you, and you can review their response. The process typically takes 2-3 business days for most insurance products that are available via Gavello. You can stop the auction at any time and choose the insurance provider with whom you’d like to talk to in order to complete the purchase of your insurance. We’ll remind you at the end of the auction to choose one if you haven’t.

What happens if I realise, I’ve missed something or made a mistake in my details, but I’ve already started my auction or I’ve had quotes?

Don’t worry. Once you’ve chosen your insurance provider, they’ll contact you to check and validate that all of your information is correct. If it isn’t, then there’s still time for them to update it as necessary, noting that this may change the price and/or policy features and/or conditions. But you’ve not bought your policy at this stage and will be under no obligation to do so if you change your mind.

How long does it take to get quotes back from my auction?

You get to decide how long you’re prepared to wait for our panel of insurance providers to respond with their quotes. But we’d recommend you allow at least 2-3 business days, particularly for more complex insurance products. The quotes will come back via Gavello as each insurance provider responds and we’ll alert you each time.

Related Products



Car Insurance



Pet Insurance



Landlord Insurance



Van Insurance



Home Insurance



Courier Insurance



Bike Insurance



Travel Insurance



Taxi Insurance



Motor Trade Insurance



Fleet Insurance



Caravan Insurance