Mini Fleet Insurance
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Why Compare Cheap Mini Fleet Insurance Quotes With EasyQuote?
Anyone who owns several fleet vehicles knows how tough it can be to sift through dozens of insurance policies and providers to find a good option that meets your insurance requirements and budget.
With EasyQuote you can almost instantly get access to quotes from the UK’s leading fleet insurance providers. All you have to do is fill in a short form and tell us a bit about yourself and your mini fleet of vehicles, and you’ll get to compare quotes within minutes.
What Do You Need To Get A Quote?
EasyQuote will require the following information from you to provide you with quotes:
- The types and number of vehicles you wish to insure
- Personal information of all named drivers, including driving history
- Your location
Who Can Get Mini Fleet Insurance?
At a minimum, you will require third-party only insurance to legally drive on the UKs roads. And although you can get third-party only cover with individual vehicle insurance policies, it will be much more affordable to cover all your fleet vehicles under a single fleet insurance policy.
It is a good insurance option for small businesses or private car owners with several vehicles they wish to insure.
What Are The Benefits Of Mini Fleet Insurance?
Mini fleet insurance is a cost-effective way to insure several vehicles under the same policy.
Here are some reasons as to why you should consider mini fleet insurance for your small business fleet:
Cost-effective
A mini fleet insurance policy is extremely cost-effective.
If you have an individual insurance policy for each of your vehicles, the costs can quickly add up But, since fleet insurance premiums are worth more to insurers than individual policies, the insurance providers are usually happy to cut the cost per vehicle insured under the fleet insurance policy.
Mini fleet cover is the most affordable way to get several vehicles covered, and it is easy (and cheap) to add more vehicles to the policy.
Saves time
Have you ever had to deal with insurance paperwork? You know how time-consuming and confusing it can get when it is time to file a claim or renew your policy.
By having all your vehicles insured under a single policy, you no longer have to deal with these hassles. All your vehicles will have one insurance renewal date, which can save you a lot of time over the course of the year (time you can invest in your business instead!).
Flexibility
Mini fleet cover offers a lot of flexibility as you can easily add more vehicles to your existing policy. If the time comes, your fleet insurance provider may even allow you to upgrade to standard fleet insurance if you have too many vehicles for a mini fleet insurance policy (usually more than 15).
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What Does Mini Fleet Insurance Cover?
Exactly what is covered by your mini fleet insurance policy will depend on your insurance provider and your level of cover, but usually the following are covered under a comprehensive policy:
- Public liability: This covers you if you cause injuries or damage to others (including passengers) or their property.
- Legal expenses: This will cover your legal costs if you have to defend a claim arising from an accident caused by your fleet vehicles.
- Employer liability: If you have more than one employee who is driving your vehicle, you will be covered if they are injured on the job.
- Driver protection: Provides financial cover for medical expenses or lost income for a driver of a fleet vehicle if they are injured in an accident.
- Excess protection: This reduces the amount of excess you have to pay towards a claim.
What is not covered?
- Wear and tear damage
- Accidents caused while driving under the influence of alcohol or drugs
- Theft by deception (e.g. if you hand your keys to someone and they steal the vehicle)
- Theft by leaving your keys in the ignition
What kind of vehicles does mini fleet insurance cover?
Most insurance providers allow different types of vehicles to be included under a mini fleet policy, including:
- Cars
- Vans
- Minibuses
- HGVs
- Motorbikes
- Scooters
What Levels Of Mini Fleet Insurance Can You Get?
The three different levels of mini fleet insurance cover are third-party only (TPO), third-party, fire and theft (TPFT) and comprehensive cover.
Third-party only
Third-party only fleet insurance covers damage to third parties. This includes damage done to other vehicles and property, as well as any injuries to your passengers and others. Third-party only cover is the minimum level of cover that you must legally have in the UK.
Third-party, fire and theft
Like third-party only cover third-party, fire and theft policies only cover damage to others and other vehicles. Your fleet will also be covered in the event that a vehicle is stolen or damaged in a fire.
Comprehensive
A comprehensive policy is the highest level of cover that you can get for your mini fleet. It includes everything covered under a third-party, fire and theft policy, but it also protects against damage to your vehicle and to yourself.
With a comprehensive policy, you’ll be able to claim for repairs following an accident, accidental damage and vandalism for all of your fleet vehicles.
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Which Add-Ons Are Available For Mini Fleet Insurance?
Depending on what add-ons your insurance provider offers, you should consider getting the following extra protection for your fleet of vehicles:
- Breakdown cover: Covers you if your vehicles break down on the way to do a job. It will cover the cost of towing to a mechanic or roadside assistance.
- Goods in transit: It covers any goods you carry in your vehicle while you’re making deliveries.
- European cover: If your fleet works in mainland Europe, this is a valuable add-on.
- Hire and reward: Covers the transport of goods or people in exchange for money (e.g. if you operate as a shuttle or taxi service or make parcel deliveries).
- Carriage of own goods: If you carry tools or equipment in your car, the gear will be covered if stolen or damaged in an accident.
How Much Does Mini Fleet Insurance Cost?
Mini fleet insurance costs vary based on several factors, the most important being the amount of vehicles in the fleet. The more vehicles you have, the higher the premium (but the lower the cost per vehicle).
Which factors impact the costs of mini fleet insurance policies?
The following factors will impact the cost of your insurance premiums:
Number of vehicles
The number of vehicles on your policy will have the biggest influence on the cost. The more cars, vans or motorbikes you have in your fleet, the more expensive the insurance will be.
On the flip side, the more vehicles you insure under a fleet policy, the less you’ll be paying per vehicle in the long run.
Types of vehicles
The type of vehicles that you want to insure will have a big impact on the cost of your mini fleet insurance. Vehicles that are more prone to breakdowns or have been modified will fetch higher insurance costs.
Age and condition of vehicles
The age and condition of your vehicles will affect your insurance costs. Old or poorly maintained vehicles are much more likely to require an insurance pay-out than newer vehicles. Insurers balance this risk by charging more to provide cover.
With that said, if you do have old vehicles to insure, then looking for fleet cover is probably the best way to go. This is especially true if you can bundle them in with newer cars and vans which will bring the overall cost of the policy down.
Off-duty vehicle storage
Where you store your vehicles when not in use has a big impact on your premium.
If you want to keep insurance costs to a minimum, store your vehicles in a secure location. For businesses, showing that you lock vehicles inside secure premises will reassure the insurer that they’re safe.
If you’re a private vehicle owner looking for family fleet insurance, then storing your cars on a driveway or in a garage will get you the best deal.
Your industry
The industry that your business operates in will influence an insurer’s quote. If you work in an industry where your fleet vehicles are more likely to get damaged – like in construction – insurance companies will charge you more.
Vehicle usage
Insurers often want to know how often each of your vehicles is used and the mileage they clock up every year. Again, this information is used by policy providers for risk management – the more a vehicle is used, the more likely it is to be in an accident, and the higher the premium.
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How To Get Cheaper Mini Fleet Insurance
Although a mini fleet policy is already one way to cut down on your insurance premiums (as you don’t have to insure each vehicle individually), here are some ways to bring your rates down even more.
Secure your vehicles
Make sure to park all vehicles in a secure location where they are less likely to be stolen, broken into, or damaged.
Limit the number of named drivers
Keeping the number of named drivers on the fleet policy to a minimum can help you save money. Try to only include members of your team who will definitely be driving the vehicles.
Compare multiple insurance quotes
The best thing you can do to save money on a fleet policy is to compare quotes from different fleet insurance providers. Fully assessing the market before you commit to an insurer will guarantee that you’re getting the best deal.
You can compare the best mini fleet insurance quotes right here with EasyQuote.
Employ drivers aged 25 and over with a clean driving record
Each of your named drivers will have an impact on the overall cost of the policy. As a result, trying to employ drivers who are over 25 and have clean licenses will help bring the expense down.
Use telematics
Install telematics devices (also called a black box) in each of your vehicles. These devices track driving behaviour, and the data is sent to the insurance company. If you drive risk-free, then your premiums will be lowered.
How To Compare Mini Fleet Insurance Quotes With EasyQuote?
- Fill in our short form: Just tell us a bit about your vehicles, named drivers, and where you park and drive.
- Select add-ons: Choose your extra protection.
- Compare mini fleet insurance quotes: Quickly get quotes from different insurance companies.
- Save: Find the best insurance policy for your fleet of vehicles.
Frequently Asked Questions
Mini fleet insurance is a type of insurance cover that’s tailored to individuals or companies looking to insure between 2 to 15 vehicles. These vehicles can be cars, vans or minibuses.
It’s a great option for a small business or families with several cars or vans in the household.
In the majority of cases, taking out a mini fleet insurance policy is cheaper than insuring each vehicle individually. Depending on the number of cars and vans you want to insure, your savings could add up to a significant amount.
Fleet insurance is cheaper per vehicle than regular insurance since the overall deal is worth more to insurers. This puts the owner of the vehicles in a strong position to negotiate the best policy deals.
Yes! Small fleet insurance policies aren’t just for businesses – they can be used to cover multiple private vehicles too. This is a great solution if you own a number of cars and want to find the most affordable way to get them all covered.
A collection of 2 to 15 vehicles is typically considered to be a “mini fleet”. These vehicles can be cars, vans, bikes and commercial vehicles. In general, the larger the size of the fleet, the less you’ll pay per vehicle under a small fleet policy.