Fleet Insurance Solutions
Keep vehicles moving. Keep responsibilities clear.
Fleet operators sit at the centre of tight deadlines, customer expectations, and contractual responsibility. One incident on the road can trigger vehicle damage, third-party claims, cargo issues, clean-up costs, and delivery penalties.
Fleet insurance works best when it reflects how your vehicles are used, what you carry, where you operate, and how you subcontract. We help you structure cover that aligns motor risk with goods in transit and liability exposures, so you can make decisions quickly and keep control when something goes wrong.
We work with a range of insurers and markets to help you compare options, and we coordinate documentation and claims support across territories when operations cross borders.
Who we work with
Working fleets. Real-world operations
We work with businesses where vehicles are essential to service delivery, site work, or day-to-day operations, including:
- Service and maintenance fleets (field engineers, facilities, HVAC, lifts, security)
- Construction, trades and project teams running mixed car and van fleets
- Healthcare, care and community transport providers
- Utilities and infrastructure contractors operating vehicles across multiple locations
- Retail, hospitality and multi-site businesses using vehicles for distribution and support
- Vehicle hire and rental fleets where usage and responsibility need to be clear
- Organisations managing company cars, pooled vehicles, and mixed fleets across regions
What we can cover
Fleet risks. Connected cover.
Motor fleet and road risk
Cover for owned, leased and financed vehicles, structured around use, driver profile and operating territory.
Includes, as required:
- Third-party liability
- Accidental damage, theft and fire
- Windscreen and roadside incidents
- Options that reflect driver and vehicle mix
Hired-in, temporary and replacement vehicles
When vehicles are swapped, hired or replaced during peaks or repairs, we align cover with the way you actually manage responsibility and documentation.
Trailers, attachments and specialist equipment
Protection for trailers, racking, tool fit-outs and equipment where responsibility sits with your business.
Downtime and operational disruption
Options to reduce the impact of vehicle off-road time, including practical mobility measures where suitable.
Claims support and documentation
Clear guidance on what evidence is needed, how to record incidents, and how to keep communication moving through the claims process, especially where multiple parties are involved.
Cross-border use and operating territories
Where vehicles operate across borders, we help keep cover, documentation and claims handling aligned with where you operate.
What we offer
A fleet programme that stays workable in real conditions
- One coherent structure across vehicle use, drivers and liability, rather than disconnected policies
- Clear alignment to routes, territories, vehicle types and operating patterns
- Insurer selection based on fit with your risk profile, claims approach and reporting expectations
- Renewals planned early, with practical steps that reduce delays and rework
- Support through the claims process, keeping communication clear and timely
Ready to talk through your fleet programme?
Contact our Transport team to discuss your fleet insurance.
FAQs
Both. The structure depends on vehicle mix, usage, driver profile, territories and insurer appetite, not just fleet size.
Often, yes. Mixed fleets can create different claim patterns and responsibilities. We structure cover so cars, vans and specialist vehicles fit together cleanly.
In many cases, yes. It depends on the hire agreements and how responsibility is defined across drivers, vehicles and third parties.
Usually the focus is on territories, documentation and claims handling expectations. We structure cover and supporting processes so cross-border use does not create gaps or administrative drag.
Where your operation involves transporting third-party goods or contractual carrier responsibilities, we can align fleet cover with a broader transport insurance structure so responsibilities remain clear.
Vehicle schedule, driver and usage profile, operating territories, claims history, hire and leasing arrangements, and any customer or lender requirements.