Guides
Fleet insurance, explained properly.
What the law requires, what insurers ask and what the paperwork means. Every guide lists its sources and shows when it was last reviewed.
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19
guides
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7
topics
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No
sales pitch
Start here
The three questions almost every business asks before it looks at fleet cover.
Reviewed and dated, with sources on every page
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Basics What is fleet insurance? What fleet insurance is, how a fleet policy works differently from insuring vehicles one by one, and the key terms UK businesses meet when they get cover. Read guide 9 min read -
Basics How many vehicles do you need for fleet insurance? There is no legal minimum fleet size. What insurers look for, how small fleets of two to four vehicles are treated, and when a fleet policy starts to make sense. Read guide 12 min read -
Costs and premiums How much does fleet insurance cost? Why no reliable average fleet insurance price exists, how UK fleet premiums are calculated, the rating factors insurers use, and how IPT and mid-term changes add up. Read guide 12 min read
Renewal and switching
4 guides
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Renewal and switching Claims experience letters for fleets What a fleet claims experience letter is, what it shows, how to request one from your insurer or broker and what to do about open claims or slow replies. Read guide 7 min read -
Renewal and switching Fleet insurance renewal checklist A practical fleet insurance renewal checklist covering timing, vehicle schedules, driver licence checks, claims experience and avoiding a gap in cover. Read guide 11 min read -
Renewal and switching Moving from individual policies to a fleet policy How to switch business vehicles from separate insurance policies to one fleet policy, covering renewal dates, cancellations, no-claims discounts and avoiding gaps. Read guide 8 min read -
Renewal and switching What to tell your fleet insurer What UK businesses must disclose when buying or changing fleet insurance, how the Insurance Act 2015 duty of fair presentation works and which changes to report. Read guide 8 min read
Risk management
3 guides
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Risk management How to write a driving for work policy What a driving for work policy covers, a section-by-section outline based on HSE's safe driver, vehicle and journey approach, and how it helps with fleet insurers. Read guide 9 min read -
Risk management What is a grey fleet? What a grey fleet is, who counts as a grey fleet driver, employer duties under HSE guidance, business use insurance checks and when to switch to fleet vehicles. Read guide 8 min read -
Risk management Telematics and fleet insurance How fleet telematics and dashcams work, how insurers may use the data, what UK data protection guidance expects of employers, and how to use it for driver training. Read guide 8 min read
Drivers
2 guides
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Drivers Driving licence checks for employers How UK employers check driving licences with DVLA check codes or bulk checking services, how often to check, getting consent, and what insurers may ask. Read guide 8 min read -
Drivers Young drivers and fleet insurance How fleet insurers treat young and newly qualified drivers, covering age restrictions, young driver excesses, apprentices, training and graduated vehicle access. Read guide 8 min read
Vehicles
2 guides
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Vehicles Electric vehicle fleet insurance What changes when you insure electric cars and vans on a fleet policy, from repairs and batteries to charging cables, heavier vans on a car licence and driving. Read guide 8 min read -
Vehicles Fleet breakdown cover What fleet breakdown cover is, how it differs from fleet motor insurance, the levels from roadside help to onward travel, and what to ask about vans, EVs and HGVs. Read guide 7 min read
Costs and premiums
2 guides
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Costs and premiums Is fleet insurance worth it? Fleet insurance is not automatically cheaper than separate policies. A decision framework to score your business, plus the benefits, trade-offs and when to stay put. Read guide 9 min read -
Costs and premiums How to reduce fleet insurance costs Practical ways to keep fleet insurance costs under control, from driver checks, telematics and security to excess choices, claims handling and renewal evidence. Read guide 10 min read
Basics
2 guides
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Basics The Motor Insurance Database and your fleet How the Motor Insurance Database works for fleet policies, who updates vehicle records, what the 14-day backdating limit means and how to check askMID. Read guide 8 min read -
Basics Vehicle class of use explained What class of use means on business vehicle insurance, from commuting and business use to own goods, haulage, courier and hire work, with a table by business type. Read guide 8 min read
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