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Overview

Managing multiple vehicles as part of your business doesn’t have to be complicated. With fleet insurance, you can insure multiple cars, vans, and vehicles without needing separate policies – saving you both time and money in the long run.

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Which businesses need fleet insurance?

Essentially, any company that operates multiple vehicles for business purposes is a good candidate for fleet insurance.

The most common businesses that require fleet insurance include:

  • Delivery companies
  • Transport such as taxis, limousines, and bus companies
  • Construction companies
  • Agriculture industries
  • Manufacturers and warehouses

Find out how much your fleet insurance will cost and get a free quote today at One Sure. Call our team of insurance experts on 0800 078 7690, and we’ll do all the hard work for you to compare quotes and find policies tailored to your business.

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What does fleet insurance cover?

Fleet insurance coverage will vary depending on your insurer. However, it is well known to be a versatile and flexible cover depending on your business requirements.

The main types of fleet insurance policies which cover all vehicles part of your fleet are:

  • Third-Party Only covers the other person involved in an accident but not your vehicles.
  • Third-Party, Fire & Theft offers the same as above but with coverage for your vehicles in the event of fire and theft.
  • Comprehensive covers all of the above plus more, which depends on the insurer you choose.

Some insurers will occasionally include laid-up cover for when your vehicles are off-road and not in use. Most businesses prefer to opt for comprehensive coverage, which means this type of fleet policy is becoming less common.

Optional Extras

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    Legal Protection

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    Commercial Legal

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    Breakdown

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    Excess Protection

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Cover Options

Our insurers can cover you for:
  • Legal liability for injuries or fatalities to a third party.

  • If opting for a fire and theft policy, you can receive compensation for loss or damage caused by fire, lightning, explosion, theft, or attempted theft.

  • Coverage for travel outside the UK in the EU, EEA, and Schengen zones.

  • Damages or injuries resulting from an accident.

  • A replacement vehicle in the event of a fire, theft, or an accident.

What's not included:
  • Theft if your vehicle has been left unlocked, unattended, and unsecured.

  • Individuals driving your vehicle without a valid driving licence or those who are disqualified from driving.

  • Progressive deterioration caused by regular use or inadequate maintenance.

  • Incidents involving the named driver or any person permitted to drive under the influence of drugs or alcohol.

The above is not a comprehensive list of all the coverage available on the same policy. It is a guide to what may be covered, depending on your policy, insurer, and circumstances.

Our team is trained and authorised to provide advisory services to help ensure a policy meets your requirements. We will take the time to understand your specific needs and thoroughly explain the coverage available via your policy and insurer – including any applicable limits and exclusions.

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Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

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    Trusted Panel of Underwriters

    As one of the UK's leading fleet insurance brokers, we will find the right policy to suit your business with the help of a handful of trusted underwriters.

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    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

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    Hassle-Free Renewals

    Our dedicated renewal team are always up to date with the latest offers and competitive fleet insurance quotes.

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    Changes to Your Policy

    Call our friendly team if you need to make any changes to your policy. We’re more than happy to help!

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*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Frequently Asked Questions

What is the benefit of fleet insurance?

When your company needs multiple vehicles, there are bound to be some daily challenges. With fleet insurance, you can eliminate many of these difficulties by insuring your vans, cars, machinery and vehicles under one fleet policy.

Insuring your vehicles under a fleet isn’t just practical, it can be extremely cost-effective. Your business might require a mixture of vehicles to be part of one fleet, such as minibuses and cars for a taxi company. Or you might even require both smaller special types of machinery, such as diggers and JCBs used in your warehouse, to be part of your fleet alongside your larger delivery vehicles.

Different types of vehicles will pose diverse risks. Fleet policies offer flexibility with your coverage to ensure that your insured vehicles are protected with the right level of cover tailored to fit your needs. Coverage can be adjusted based on the type of vehicles in the fleet, the use of the vehicles, and the level of risk involved.

What’s more, with all your vehicles under one policy, you can say goodbye to stacks of paperwork. Your administration tasks will be streamlined as you won’t have to constantly track multiple insurance renewal dates or multiple policy schedules.

How much does fleet insurance cost?

Find out how much your fleet insurance will cost and get a free quote today at One Sure. Call our team of insurance experts on 0800 078 7690, and we’ll do all the hard work for you to compare quotes and find policies tailored to your business. 

Can anyone drive on fleet insurance?

Only drivers who are authorised by the business are allowed to drive the covered vehicles. Many businesses opt for a named driver policy, which only allows those named on the policy to operate vehicles. This may include employees, as well as contractors, volunteers, or other individuals who have been approved by the business.

Some policies may restrict who can drive based on age, type of license and professional training. For example, with an ‘any driver’ policy, it can be possible to restrict drivers based on age.

This may include employees, as well as contractors, volunteers, or other individuals who have been approved by the business. Some policies may restrict who can drive based on age, type of license and professional training.

It’s important to carefully review the restrictions of your fleet insurance policy to understand who is allowed to drive the covered vehicles. If the policy requires that only employees can drive your fleet, then it is your responsibility to ensure that all drivers meet the requirements set by your insurer.

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Sharna Ridge
Author Sharna Ridge
Last Updated March 20, 2026

This article has been reviewed and updated to ensure accuracy and compliance with current insurance regulations.
One Sure Insurance is committed to providing reliable, up-to-date information to help you make informed decisions about your fleet insurance coverage.

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