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Fleet Insurance

information about insuring a fleet of vehicles

Fleet Insurance Quotes

Fleet insurance from Grove & Dean. Formed in 1974, Grove & Dean is a chartered insurance broker and one of the UK’s leading specialist insurers. We offer a wide range of flexible fleet insurance options for cars, vans, HGVs, mixed fleets and much more.

With any driver policies, 21+, 25+ and 30+, we cover fleets with 2 to 100+ vehicles, offering the best value and experienced assistance.

Your fleet insurance is in safe hands with Grove & Dean. Call us today on 01708 436 811 or click below for an instant Fleet Insurance Quote.

click to enquire about Grove & Dean Corporate Insurance policies

 

Fleet insurance - what is it?

Company Van Fleet We offer fleet policies for all vehicles, from lorries, vans to cars or motorcycles.

A fleet insurance policy covers all your business vehicles so you don't have to worry about arranging cover for each one separately. One policy can cover all of your vehicles, whether they are registered in the name of the company or in the name of one of its partners or directors.

By combining insurance policies for your fleet, you can save time trying to organise multiple policies, and you might also pay less for car or van insurance.

How many vehicles make up a fleet?

There are no limits to the number of vehicles that can be in a fleet.

Commercial fleet insurance policies will differ in their maximum and minimum vehicle inclusions, and many policies will specify the maximum and minimum vehicle count.

It may be necessary to purchase motor fleet insurance for very large or very small fleets.

What vehicles are covered by fleet insurance?

A fleet insurance policy can cover a variety of vehicles, such as cars, motorcycles, vans, HGVs, and plant vehicles. Insurance policies often cover a variety of vehicles, but if the policy claims to cover 'any vehicle,' be sure to review the details. In some cases, an insurer will exclude certain vehicles from the policy, such as motorbikes, forklift trucks, and excavators.

We can also cover other types of businesses, including haulage, private hire, couriers, and more.


Why is fleet insurance important?

Theft and accidents are covered under a comprehensive fleet insurance policy. In the event that one of your vehicles is involved in an accident and your driver is at fault, it will also cover the cost of damage to other cars.

On the other hand, third-party fleet insurance is cheaper, but only covers damage to other vehicles. You can also get fire and theft insurance if you have a vehicle stolen or damaged by fire.

What is the difference between an "any driver" policy and an "named driver" policy?

A policy that allows drivers of any vehicle to drive it is known as an ‘any driver’ policy.

'Named driver' policies assign a designated driver to each vehicle.

You should consider flexible driver policies if your business requires your employees to drive more than one vehicle. However, the cost of these policies is usually higher.

Smaller businesses or those with a large number of drivers tend to benefit from named-driver policies.

What are the advantages of fleet insurance?

With only one renewal date, arranging insurance for multiple vehicles is easier and you will save time on admin.

It is usually cheaper to insure multiple vehicles than to insure each one separately.

With an 'any driver' policy, you can insure all drivers on every vehicle. Having access to all vehicles will save drivers from having to wait around for a particular vehicle to become available.

As your business grows, you can add more vehicles.

Some potential disadvantages:

If you have a driver who is especially accident prone, you may want to consider separating them from the policy.

Especially when it comes to larger fleets, vehicles come and go frequently, so you'll need to keep your policy up-to-date so you can make a claim when you need it.

  • Smaller fleets will save less money.
  • You may want to insure younger drivers separately since their costs can increase.
  • It is possible that you will not be covered for personal use of your vehicle.

What is the cost of fleet insurance?

You will pay for fleet insurance based on a number of factors. In addition, your fleet and your drivers are surveyed regarding their past claims history, as well as the number and type of vehicles they own.

Having young drivers can also increase your costs.

It is generally more cost-effective to get a fleet insurance policy than a separate individual policy; however, the largest savings will be achieved by larger fleets.

Types and Fleet Insurance provided by Grove & Dean

From car fleets to van fleets, motorcycle fleets to HGVs, we have a fleet insurance policy for you. Here are just a few of the fleets we cover.

Wedding Fleet

Grove & Dean insures many fleets across the UK, including several fleets of wedding vehicles. These obviously include the typical wedding fleet vehicles such as Roll-Royces and Bentleys, but also some more unusual vehicles such as vintage and veteran cars, stretch limos and indeed, some supercar sports cars… for those who want something a little different.

In insurance terms, wedding fleets are treated much the same as any other fleet, with a group of vehicles being insured for a lesser premium than would be the case if they were insured individually. If you had a wedding fleet and are looking for wedding fleet insurance, contact us at Grove & Dean and we will ensure that your best day is every day.

Mini Fleet

Mini fleet insurance cover. Fleet insurance policies don’t cover large fleets of vehicles run by multinational companies and don’t necessarily cover the HGVs and vans that one might imagine. Mini fleets come in all shapes and sizes. Mini fleets can start from just two vehicles up to around 50 vehicles. Whatever number of vehicles you have and whatever the variety of vehicles you wish to insure, contact Grove & Dean and we’ll have a fleet insurance policy that’s right for your mini fleet.

HGV Fleet

HGV fleet cover is some of the most common fleet insurance we offer. Whatever the size of your HGV fleet, we offer flexible cover. Taking into account different ranges of experience of drivers and different journeys covered. For the best cover for your HGV fleet and the cheapest HGV fleet insurance, contact Grove & Dean today.

 

HGV Fleet Insurance in Detail

Many businesses depend on trucks or HGVs today. Despite the necessity of transportation for businesses, driving a HGV can be a dangerous task.

According to research by Campaign for Better Transport, HGVs are responsible for 52.3% of fatal accidents on motorways.

Compliance with regulations should be a top priority for any fleet manager, while reducing risks.

Thus, you should find the right HGV fleet insurance for your business and be aware of it.

Who needs truck and heavy goods vehicle insurance?

An insurance policy that covers trucks or other heavy goods vehicles is known as truck 
insurance, or HGV insurance.

 

Depending on the number of vehicles to be insured, insurers will offer varying levels of coverage.

In this post, we will focus on HGV fleet insurance, which is distinct from individual truck or HGV insurance policies.

Your business can cover a range of vehicles with fleet insurance, including service vans and articulated vehicles.

Fleet insurance can cover either the carriage of the company's own goods or hire and reward operations.

 

Do I need a fleet insurance policy for my HGVs?

You will need a HGV fleet insurance policy if you operate a fleet of trucks. You will receive a premium based on the coverage you choose for your vehicle.

There are three types of cover:

Third-Party Only

Insurance for third parties is the minimal level of cover. In the event that you cause an accident, this type of coverage will cover other people, vehicles, and property.

 

Third-Party Fire and Theft

With third party insurance, your vehicle will be covered for all of the above, but you will also be able to claim if it is stolen or if it is damaged due to an attempted theft.

Comprehensive

Comprehensive insurance will cover damage to others, yourself, your vehicle, as well as theft and fire damage. It's the most comprehensive type of insurance.

Comprehensive insurance is significantly more expensive than Third-Party Cover.

 

As a HGV driver, do I need a license to get insurance?

Are you looking for insurance coverage for a vehicle that transports goods on public roads for trade or business purposes?

If your vehicle has a gross vehicle weight greater than 3.5 tonnes, you will need an operator’s license.

If you think that this might be the case, know that it can take 9 weeks to apply for a license.

In certain circumstances, you may be granted an interim license.

The type of job you have will determine whether you need a Restricted Operators Licence, a Standard National Licence, or a Standard International Licence.

Restricted licence:

  • You can only carry your own goods, not those of others
  • The following are permissible with a national license:

  • You can transport your own goods in the UK and internationally
  • It allows you to transport goods of other people in the UK
  • If your vehicles do not leave the country, you can take loaded trailers to or from ports within the UK as part of an international journey

Standard international licence:

  • The right to transport your own goods, as well as those of others, both in the UK and internationally

 

How many vehicles can be covered by a HGV fleet policy?

Grove & Dean covers HGV fleets starting with 2 vehicles and up, while some brokers may be different.

How much does HGV insurance cost?

Fleet insurance can be very cost-effective over individual policies.

Compared to individual insurance policies, fleet policies offer greater coverage and are generally less restrictive.

The number of vehicles you wish to insure will have a significant effect on your HGV insurance premium. Additionally, your insurance premium may be affected by your geographic area of operation.

If your company operates within a 100-mile radius, you may also qualify for discounted pricing.

Grove & Dean works with the UK's largest fleet insurance providers to get you a professional, hassle-free proposal.

Having access to a panel of more than 20 different insurers, we can provide you with a comprehensive policy at the best possible price.

Contact us today and one of our trusted advisors will provide you with more information about HGV fleet insurance quotes.

Company Car Fleet

At Grove & Dean Insurance, we cover many commercial and company car fleets. Whatever number of vehicles you have and whatever work you do, contact Grove & Dean today for the best company car fleet insurance policies. If you're looking for cheap company car fleet insurance, you've come to the right place. We have many, many year’s experience covering fleets of all sizes and types across the UK and can help you find the best policy for your company car fleet.

Commercial Van Fleet

If you're looking for commercial Van Fleet Insurance, Grove & Dean can help you with the finest expertise and experience. We deal with all the leading underwriters in the UK and can find the best cheap commercial Van Fleet insurance for you. Whatever the size of your fleet from just two vehicles, upwards. We can help find the best van fleet insurance for your budget and for your needs.

Vehicle Fleet

When talking about vehicle fleets, most people think of fleets of company cars, HGVs or vans, however, as maybe clear from reading this document, at Grove & Dean we handle fleets of all different sizes and shapes. We have the expertise to cover whatever vehicle fleets our customers require. Whatever your fleet, however varied it may be and however geographically spread, we will have the insurance policy that's right for you. Contact us today for the finest cover and the best advice.

Van Fleet

At Grove & Dean would cover many van fleets across the UK, providing excellent cheap van fleet cover for companies of all different types. Whatever the nature of your business and however many vans you wish to have in your fleet, contact the experts at Grove & Dean Fleet Insurance today and will find you the best cheap van. Cover. And the best cover for your needs.

Truck Fleet

At Grove & Dean Insurance, we cover truck fleets across the UK. From two trucks up to many hundreds of vehicles, we will have the right insurance cover for your organisation. Whatever journeys are being made, whatever is being transported and whatever the geographical location of your fleet, we will have a policy that's right for you and your drivers.

Truck fleet insurance will save you both time and money over ensuring the vehicles individually and our expertise will mean that the drivers you can employ maybe more varied than other companies. For the best advice on your truck fleet insurance cover, contact Grove & Dean insurance today.

Car Fleet Rental

Car rental companies require specialist cover and at Grove & Dean Insurance you will find year’s of experience in covering all sorts of different fleets, including car fleet rental companies. For advice as to the best insurance cover for your car rental fleet, contact our specialist team today. We will find you the best cheap cover that’s suitable for your needs and for the drivers of your car rental vehicles.

Car Fleet

Car fleet insurance from Grove & Dean. As one of the UK's leading independent insurance brokers, Grove & Dean can find the best offer for your car fleet. Whatever that fleet may be made up of – from two cars right up to fleets of over 100 vehicles – we can find the best value for money insurance and the swiftest cover for your needs. Whatever your car fleet comprises of, contact us today and we will find the best cover for you.

Business Car Fleet

Businesses across the UK trust Grove & Dean for their business car fleet insurance. We can save you not only time, but also considerable budget when undergoing this process.

Whatever your business car fleet is comprised of, whether it's just cars, vans, HGVs or something else, we can help. Contact us today for the best expertise and the best cheap business car fleet insurance policies.

Taxi Fleet Insurance

How does taxi fleet insurance work?

In the case of taxi businesses whose vehicles are all part of a fleet, it can be a challenging process to renew individual insurance policies. It may take a while to review each individual insurance policy. That's why Grove & Dean only allows one policy per fleet. When it comes to policy renewal, you will have no need to worry since this policy covers all taxis in your fleet.

As an insurance broker that specializes in taxi fleets, we consider quotes for the following:

  • Private and public hire
  • Minicabs
  • Minibuses
  • Chauffeurs (depending on values of the vehicles insured)
  • A variety of vehicles/ a mixed fleet

Our fleet insurance policy is tailored to the specific needs of each customer at Grove & Dean, making sure that it is the right one for you. Consequently, we consider both new companies and established taxi companies. Cover periods range from 7 days to a year, so you have the freedom to choose what is right for you. Depending on your specific needs and performance, we also offer flexible indemnity caps. We offer an optional windscreen cover that covers the cost of repairs or replacement glass if you need extra peace of mind.

Our experienced team will help you design an insurance policy tailored to fit the exact needs of your fleet.

 

Fleet insurance: how to save money

It's all about reducing risk when it comes to fleet insurance. Here are some tips:

  • Employing drivers who are 25 years or older and have a clean driving record Make the driver responsible for paying their own excess
  • Adding a security system increases security
  • 
Utilizing electric or hybrid vehicles
  • 
A driver training program 
Maintaining equipment regularly
  • Hybrid vehicles or electric vehicles may decrease insurance premiums
  • Insurance companies deem these vehicles safer since their engines are less powerful than regular automobiles and they also emit less CO2
  • Use drivers over 25 years with clean records to save money on insurance premiums.

Even though it is sometimes impossible to avoid a younger driver, limiting their mileage and allowing them to only drive during the day could reduce costs

You can make your drivers more aware of hazards by sending them on a training course.

They will learn how to prevent any potentially unsafe behaviour. Driving courses can help improve aspects of driving like fuel efficiency, hazard perception, and driving in bad weather conditions.

Maintaining a vehicle regularly is essential. You will keep your vehicles in good condition by checking the tyre pressure, oil, and brake pads daily, as well as keeping a regular service record.

As this would hopefully encourage safe driving, drivers should be responsible for their own excess.

You could lower your insurance costs by providing security options for your vehicles overnight, such as a CCTV monitored car park or locked garages. It is also worth considering immobilizers within the vehicle, even if the initial cost is high.

Your premiums could be reduced if the vehicle has certain technology fitted. Using a reporting box, drivers can be assessed for their driving safety, and their insurance premiums can be adjusted accordingly.

The dashboard camera or dashcam is also an important tool, since it records everything that happens on the road. These are great for providing evidence in the event of an accident since they can be fitted in the front or back of the vehicle.

But our best advice for all fleet insurance cover is to speak to the experts at Grove & Dean. Contact us today for the best advice and value cover for your fleet policy.

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Download our Motor Fleet Insurance Fact Sheet

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KEY CONTACT

Grove & Dean Corporate Insurance

Key contact for group health insurance cover Glen Cottle DIP CII

Corporate Fleet Manager

01708 436 811
glen.cottle@grove-dean.co.uk

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