BUSINESS INSURANCE
Fleet Insurance
Fleet Insurance Quotes
Fleet insurance is a smart choice for businesses seeking efficiency, financial protection, and peace of mind.
Grove & Dean offer a wide range of flexible fleet insurance options for cars, vans, HGVs, and mixed vehicle types.
With any driver policies including 21+, 25+ and 30+, we cover fleets with 2 vehicles plus, offering the best value and expert assistance.
Call us now: 01708 436 811
What is Fleet insurance?
Fleet insurance consolidates coverage for multiple business vehicles under one policy, simplifying management and often reducing costs.
With the exception of motorcycles, it can include cars, vans, trucks, taxis, or even specialty vehicles, regardless of their purpose.
Businesses with as few as two vehicles are eligible, although requirements vary by insurer.
Fleet insurance covers liability, physical damage, and optional add-ons like fire, theft, or roadside assistance, depending on the package chosen.
Benefits of Fleet Insurance
- Cost Efficiency: Reduces per-vehicle premiums compared to individual policies.
- Convenience: Consolidates renewal dates and coverage details.
- Customisable Options: Add-ons like comprehensive, collision, or specific driver coverage to meet unique business needs.
- Flexibility: Covers vehicles used for different purposes within one policy.
How many vehicles make up a fleet?
A fleet can consist of as few as two vehicles, but the number can go up to hundreds, depending on your business needs.
What vehicles are covered by fleet insurance?
Fleet insurance policies can cover a broad range of vehicles, including cars, vans, HGVs, and even plant vehicles.
What if I need to make a claim on my fleet insurance policy?
When it comes to filing a claim, your account handler will handle the details, ensuring the insurer delivers a smooth and satisfactory service.
How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.
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How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.
Thank you
Thank you for your request!
There was an error whilst processing your request. Please try again.
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FLEET FAQS
TYPES OF FLEET INSURANCE
Why is fleet insurance important?
Fleet insurance is crucial as it provides comprehensive coverage against theft, accidents, and damage caused by your drivers. Comprehensive policies cover both your vehicles and third-party damages, ensuring you're fully protected. However, third-party coverage is a more affordable option that only covers damage to other vehicles. For added protection, you can also opt for fire and theft coverage.
What is the difference between an "any driver" policy and a "named driver" policy?
An "any driver" policy allows any authorised driver to operate any vehicle in your fleet, offering flexibility but often at a higher cost. Conversely, a "named driver" policy restricts each vehicle to specific drivers, which is usually more cost-effective and suitable for smaller businesses or those with dedicated drivers.
What are the advantages of fleet insurance?
Fleet insurance simplifies managing multiple vehicles by consolidating all vehicles under a single policy with one renewal date. Additionally, with an "any driver" policy, you can have all drivers insured to operate any vehicle, enhancing flexibility and reducing downtime. As your business grows, you can easily add more vehicles to your policy.
What is the cost of fleet insurance?
The cost of fleet insurance varies based on factors such as the number of vehicles, their types, and the drivers' histories. Generally, larger fleets benefit from lower per-vehicle costs, making fleet insurance more cost-effective than individual policies. However, the presence of younger drivers or a history of claims can drive up premiums.
As an HGV Driver, Do I Need a License to Get Insurance?
If you're insuring a vehicle that transports goods on public roads for business purposes, and its gross vehicle weight exceeds 3.5 tonnes, you will need an operator’s license. The application process can take up to 9 weeks, but an interim license might be granted in some cases. The type of license—whether Restricted, Standard National, or Standard International—depends on your specific job.
- Restricted License: Only allows the transport of your own goods.
- Standard National License: Permits the transport of both your goods and others' within the UK.
- Standard International License: Extends the above permissions internationally.
Who Needs Truck and Heavy Goods Vehicle Insurance?
Truck insurance, also known as HGV (Heavy Goods Vehicle) insurance, is essential for businesses that operate trucks or other heavy vehicles. The coverage provided varies depending on the number of vehicles insured. Unlike individual truck insurance, HGV fleet insurance covers multiple vehicles under a single policy, including service vans and articulated vehicles. This type of insurance can cover both the transportation of your company’s own goods and operations involving hire and reward.
How Many Vehicles Can Be Covered by an HGV Fleet Policy?
HGV fleet policies can cover anywhere from as few as two vehicles to over a hundred, depending on the insurer's specific terms and conditions.
How Much Does HGV Insurance Cost?
Fleet insurance premiums depend on several factors, including the number of vehicles and your geographic area of operation. Companies operating within a 100-mile radius may qualify for discounted rates. With access to a panel of over 20 insurers, Grove & Dean offers comprehensive policies at competitive prices.
Fleet Insurance: How to Save Money
Managing costs is crucial, and there are several strategies to reduce your fleet insurance premiums. These include employing drivers over 25 with clean records, installing security systems, using fuel-efficient vehicles, and conducting regular vehicle maintenance. For tailored advice and the best value policies, contact Grove & Dean today.
Types of Fleet Insurance Provided by Grove & Dean
Grove & Dean offer comprehensive fleet insurance solutions tailored to various types of vehicles, including cars, vans, and HGVs. Whether you're managing a small business or a large corporation, we have the right policy to meet your needs.
Wedding Fleet
Our wedding fleet insurance covers a wide range of vehicles, from classic Roll-Royces and Bentleys to vintage cars and even sports cars. Insuring your wedding vehicles as a fleet can result in significant cost savings compared to individual policies.
Mini Fleet
For businesses with smaller fleets, our mini fleet insurance is ideal. Covering between 2 and 50 vehicles, this flexible option is perfect for businesses of all sizes. Regardless of the variety of vehicles you need to insure, Grove & Dean can provide a policy that fits your specific requirements.
HGV Fleet Insurance in Detail
Operating HGVs comes with unique risks, and it's crucial to have the right insurance to mitigate them. At Grove & Dean, our HGV fleet insurance offers robust protection for your vehicles and drivers, ensuring compliance with regulations and minimising operational risks.
Do I Need a Fleet Insurance Policy for My HGVs?
If you operate a fleet of HGVs, you need a dedicated insurance policy that offers comprehensive coverage. Choose from Third-Party Only, Third-Party Fire and Theft, or Comprehensive coverage, depending on your needs. Our policies are designed to protect your business from a wide range of risks, ensuring peace of mind.
Company Car Fleet
We provide insurance for company car fleets of all sizes. Whether you have a small number of vehicles or manage a large fleet, Grove & Dean can offer competitive rates and extensive coverage options. Our experience in the industry allows us to tailor policies to suit your business needs.
Commercial Van Fleet
Our commercial van fleet insurance is designed for businesses that rely on vans for their daily operations. We work with leading UK underwriters to secure the best coverage at affordable prices, ensuring your vans are protected no matter their use.
Van Fleet
At Grove & Dean, we specialize in providing comprehensive van fleet insurance for businesses across the UK. Whether your fleet consists of a few vans or several dozen, we tailor our coverage to meet your specific needs at competitive rates. Our expert team is dedicated to finding you the best value for your van fleet, ensuring you get the most suitable cover at the most affordable price. Contact Grove & Dean today for a customised quote.
Truck Fleet
Grove & Dean offers specialised truck fleet insurance that caters to businesses of all sizes across the UK. Our policies are designed to cover a wide range of journeys, goods, and geographical areas. Reach out to us today to discuss the best insurance options for your truck fleet.
Car Fleet
As one of the UK’s leading independent insurance brokers, Grove & Dean offers car fleet insurance that delivers both value and comprehensive coverage. Whether your fleet includes just a few vehicles or over a hundred, we ensure that your cars are protected with the best policies on the market. For swift and efficient car fleet insurance, get in touch with us today.
Business Car Fleet
Businesses across the UK trust Grove & Dean for their car fleet insurance needs. We understand that each business is unique, which is why we offer flexible insurance solutions that can cover cars, vans, HGVs, and more. Save time and reduce costs with our expert advice and tailored insurance policies. Contact us today to find the perfect insurance solution for your business car fleet.
