Fleet Insurance Edinburgh
One policy. Multiple vehicles.
Managing insurance for multiple vehicles shouldn’t mean managing multiple policies.
Whether you operate a small fleet of vans, company cars or a mixed fleet of commercial vehicles, we can help you find fleet vehicle insurance designed around the way your business operates.
Fleet insurance made simpler
Running a fleet comes with enough administration without having to keep track of separate vehicle insurance policies, renewal dates and levels of cover.
Motor fleet insurance allows you to cover multiple vehicles under one policy, giving your business a simpler way to manage its commercial motor insurance.
We work with businesses across Edinburgh and Scotland to arrange fleet insurance for a range of vehicles and business uses.
What commercial vehicles can motor fleet insurance cover?
Vans
Small, medium and large commercial vans used by tradespeople, contractors and businesses, and in some cases trucks where accepted by the insurer.
Company Cars
Cars used by employees and directors for business purposes.
Pick-ups
Cover for pick-ups used for work, deliveries, construction and other commercial activities.
Specialist Vehicles
Depending on your requirements, your policy may also be able to accommodate specialist or converted vehicles.
What does fleet insurance cover?
The level of cover available will depend on the policy and insurer you choose.
Third Party Only
Provides cover for your legal liability for injury to other people and damage to third-party property.
Third Party, Fire & Theft
Includes third-party cover, with additional protection if an insured vehicle is stolen or damaged by fire.
Comprehensive
Provides the highest level of motor insurance cover, including protection against accidental damage to your own vehicles as well as third-party liabilities.
We’ll explain the differences between your options so you can choose the level of cover that’s appropriate for your business. There are also additional cover options such as, breakdown cover, courtesy vehicles, goods in transit and many more.
Cover for your drivers
Fleet insurance can offer flexible driver arrangements depending on the insurer and policy. You may be able to insure named drivers or choose an any-driver arrangement where appropriate.
We’ll look at factors such as:
- The number of drivers
- Driver ages and experience
- Driving history
- How vehicles are used
- Annual mileage
- Where vehicles are kept overnight
- The type and value of vehicles
This allows us to approach insurers with a clearer picture of your business and help find suitable cover.
Why use a broker for fleet insurance?
Finding the right fleet insurance policy isn’t simply about finding the cheapest premium. Your business needs a policy tailored to your specific needs and to how your vehicles are actually being used. As an insurance broker, we can help you understand the different options available, save time and money, and identify areas of cover you may need to consider.
- We’ll look at your vehicles, drivers, business activities and how your fleet operates before recommending suitable options, with access to insurer discounts or policy options that may not be available directly.
- One fleet policy can make administration simpler, with your vehicles managed under a single arrangement rather than separate individual policies.
- Commercial insurance can be complicated. We’ll explain the important parts of your policy and help you understand what you’re covered for.
- Adding vehicles? Changing drivers? Expanding your business? Your insurance should be able to adapt as your fleet changes, and vehicles can often be added or removed as needed, subject to insurer terms.
How much does fleet insurance cost?
There isn’t a standard price for motor fleet insurance policy. Your premium can be affected by a number of factors, including:
- Number of vehicles – The size of your fleet will affect the overall cost.
- Type of vehicles– The make, model, value, engine size and type of vehicle can all influence your premium.
- Drivers– Driver age, experience and claims history can affect the cost of cover.
- Business use– The type of work your vehicles are used for and what they carry can influence the insurance required.
- Annual mileage – The more your vehicles are on the road, the greater the potential exposure to accidents and claims.
- Claims history – Your business’s previous claims experience can also affect the premium offered by insurers.
Rather than simply choosing the cheapest policy, we’ll help you compare the overall cover and make sure it reflects your business.
Frequently Asked Questions
Fleet Insurance
How many vehicles do I need for fleet insurance?
The number of vehicles required can vary between insurers. Some providers may start from just two vehicles, while many fleet policies are designed for three or more vehicles. Some providers offer mini-fleet policies for smaller businesses, while others specialise in larger fleets.
If you have multiple vehicles, it’s worth speaking to us to see whether a fleet policy could be suitable. It can also simplify management with one renewal date and one insurer.
Can anyone drive my fleet vehicles?
This depends on your policy. You may be able to choose named drivers or an any-driver arrangement, subject to the insurer’s terms and eligibility criteria.
Does fleet insurance cover goods in my vehicles?
Not automatically. Motor fleet insurance and goods-in-transit insurance provide different types of protection. If your vehicles carry tools, equipment, stock or goods, tell us about your business activities so we can identify any additional cover you may need.
Can I insure different types of vehicles on one fleet policy?
Potentially, yes. Depending on the insurer, a fleet policy can cover different types of vehicles, such as cars, vans and pick-ups. Specialist vehicles may also be considered.
Can I add vehicles to my fleet during the policy?
Many fleet policies can accommodate changes to your fleet during the policy period. You should always notify your insurer or broker when vehicles are added or removed to ensure your policy remains accurate.
Can fleet insurance include breakdown cover?
Breakdown cover may be available as an optional extra or included depending on the policy. We’ll help you understand what is included in your quotation..