Commercial Fleet
Insurance

What is Commercial Fleet Insurance?

Commercial Fleet Insurance protects your business vehicles against accidents, theft, and liability claims. Whether you operate a fleet of company cars, vans, lorries, or specialist vehicles, this insurance ensures that your business remains on the road without financial setbacks.

For couriers, transport operators, delivery services, and businesses with multiple vehicles, Commercial Fleet Insurance is essential to ensure continuous operations and compliance with legal requirements.

Who Needs Commercial Fleet Insurance?

Any business that owns or operates multiple vehicles should have Commercial Fleet Insurance in place. This includes:

• Delivery & Logistics Companies – Cover against vehicle damage, theft, and liability claims.
• Taxi & Private Hire Operators – Protection against passenger-related claims and accidents.
• Construction & Trade Businesses – Ensures coverage for work vehicles, tools, and transit risks.
• Retail & Wholesale Distributors – Covers vans and transport vehicles against damage or third-party claims.
• Corporate Fleets – Protection for company cars and employee-driven vehicles.

Why is Commercial Fleet Insurance Important?

Accidents, thefts, or damages can disrupt your business. Without insurance, repair and legal costs can be significant.

Common risks that Commercial Fleet Insurance protects against include:

• Accidental Damage – Covers repair or replacement costs after an accident.
• Theft & Vandalism – Protection against stolen or maliciously damaged vehicles.
• Third-Party Liability – Covers injury or property damage claims involving your fleet.
• Legal Costs – Covers defence and settlement fees if a claim is made against you.

What’s Covered in Commercial Fleet Insurance?

Commercial Fleet Insurance policies typically include:

• Vehicle Repairs & Replacements – Covers accident damage and breakdowns.
• Third-Party Injury & Property Damage – Protection against legal and compensation claims.
• Breakdown Assistance – Support for roadside repairs and vehicle recovery.
• Goods in Transit Cover – Ensures business cargo and deliveries are protected.

What’s Not Covered?

• Damage caused by unlicensed or unqualified drivers.
• Mechanical wear and tear.
• Personal belongings inside vehicles (unless separately insured).

Additional Cover You May Need

Depending on your business type, you may need additional cover such as:

• Business Building Insurance – Protect your premises and business assets.
• Employers’ Liability Insurance – Cover for employee injuries or illness.
• Professional Indemnity Insurance – Protection against claims for professional advice or services.
• Goods in Transit Insurance – Covers loss or damage to goods transported by your fleet.

At Insurably, we have access to 100's of insurer markets, meaning that no matter how unique your requirements are, we know where to find the right cover to suit you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.