Fleet van insurance

Getting one insurance policy for a fleet of vans could save you time and money. Let’s take a look.

Getting one insurance policy for a fleet of vans could save you time and money. Let’s take a look.

Daniel Hutson
From the Motor team
minute read
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Posted 4 OCTOBER 2019

What is fleet van insurance?

Fleet van insurance is cover for two or more vehicles owned by the same business. You can usually insure different makes and models under a fleet policy, but your insurance provider will need to know the details of each vehicle. If you have company motorbikes, or your business uses vehicles such as earth-movers or tractors, each of these may need a separate policy.

Having fleet insurance can be handy for business owners who prefer one insurance policy with a single renewal date and a consistent level of cover for multiple vehicles, as opposed to separate policies for each van. The number of vehicles you can cover under one fleet insurance policy varies among insurance providers – the maximum could be hundreds. 

What does fleet van insurance cover?

The cover you’ll get from a fleet van insurance policy will depend on the level you choose. The basic principles of van cover are the same as with a car. However, if you want to use a van for work purposes, you'll need commercial van insurance which is a specialist policy. 

You can compare quotes with us for two types of commercial van insurance: 

  • carriage of own goods  This covers you if you use your van to carry business goods – such as your tools if you’re a builder, plumber, gardener or carpenter. You’ll also be covered for social, domestic and pleasure use
  • haulage (carriage of goods for hire and reward)  This type of insurance protects you if you use your van to carry someone else’s goods for payment – say, if you’re a delivery driver. Again, you’ll be covered for social, domestic and pleasure use.

If you run a business and have a number of employees who are drivers, you can name them individually on the policy, or opt for the ‘any driver’ option. Choosing ‘any driver’ is a more flexible option, but is usually more expensive. Generally speaking, the fewer drivers you have on your policy, the lower your premiums will be. If you have a large fleet of vans, you might change vehicles during the course of a year – update your policy each time this happens to avoid your cover being invalidated.  

Each business is different so always check the policy wording, or speak to an insurance provider, before buying a fleet insurance policy to make sure you have sufficient cover. To get enough cover you may have to get a specialist policy, or ask a provider to add more cover on to your standard van insurance policy. The three regular levels of cover offered by a van policy are:

  • Third party This covers you for the cost of any damage done to another person, their vehicle, or their property. But it won’t cover the cost of damage to your own van
  • Third party, fire, and theft This includes everything covered by third party insurance, as well as cover if your van’s stolen, is damaged or destroyed by fire
  • Fully comprehensive This includes all of the above, plus cover for any other kind of damage to your van – as long as it’s specified in your policy

Comparing van insurance

There are a number of ways to keep down the cost of your van insurance, from installing industry-approved safety devices to hiring more experienced drives with clean licences. Comparing policies from a wide range of providers is another way to find a competitive premium.  

We take the hassle out of finding great-value van insurance. Why not start a quote and see if you can save?

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