If you have any questions that aren’t covered below, please get in touch and we’ll be happy to help.


How many cars do you need for fleet insurance?

The minimum number of cars you need for fleet insurance is two.

The number of vehicles required to qualify for a fleet insurance policy has come down from 5 which was the requirement just a few years ago.

The reduction in the number of cars required to start a fleet policy has been facilitated by the advent of online quotation systems.

Previously, all fleet insurance policies would have been manually underwritten and insurance companies didn’t have the resources to quote for less than 5 vehicles.


Drivers who have serious convictions on their driving licence MUST be referred to insurers before allowing them to drive. These would include any conviction code that begins with the following letters: AC, BA, DD, DR, IN, MS, NE, TT, UT & XX. We recommend that all fleet operators carry out regular licence audits and take photocopies of all drivers’ licences at least once a year.

Plant and Special Types?

One benefit of a motor fleet policy is that different types of vehicles can all be placed on the same policy. Construction and agricultural plant such as tractors, JCB’s and excavators, and special types of vehicles – fork lift trucks, trailers, horseboxes and even road sweepers can all be accommodated. Policies can also be extended to include the Tool of Trade risk (sometimes known as Third Party Working Risk). It is important to consider where your Plant will be used as the current definition of a “Road” is very wide and will include most places where the public have access including car parks, etc.

Do you charge for changing vehicles?

Any additional premium charged by your insurers will be passed on to you and on occasions we will make an administration charge. Full details of how we are remunerated are contained within our Terms of Business which are available upon request and will be given to you when you become a client of Fleetcover.

What about the MID?

The Motor Insurance Database (MID) is a government database which stores the details of every insured vehicle in the UK. It exists to reduce the number of uninsured vehicles on the road as well as assisting with claims that occur in the EU. The police use the MID to identify uninsured vehicles, using Automatic Number Plate Recognition (ANPR) cameras which are fitted to most police cars, and are used on the road network. They can check which company a vehicle is insured with and who is named to drive on the policy. It is a legal requirement to keep the MID up-to-date with any additions or deletions to your vehicle fleet. Some insurers will do this automatically for you when you notify them of any changes but the onus is on you, the policyholder, to ensure that the vehicles are correct at all times. You should try to update the MID immediately via www.midupdate.comalthough you have 7 days from the date that you take delivery of the vehicle to amend the website. This still applies if your policy is on a declaration basis. For our valued customers, we do offer an MID update service for a nominal charge.

Which is the best declaration basis?

A declaration fleet policy has been developed for businesses that have a vehicle fleet which has regular changes to the schedule of vehicles. Rather than having to inform us/your insurer every time a vehicle is changed (known as ‘As and When’), you can opt to complete a quarterly, half yearly or even annual declaration instead. The policy will automatically include any vehicle which is purchased, acquired or deleted by the company in the intervening period without having to notify us. A declaration of any changes is then completed for the agreed period and the premium is adjusted accordingly. The type of declaration that you choose will normally depend on the size of your vehicle fleet. Our team will let you know which style of declaration is best for your needs when they provide your quotation.

Are all Fleet insurance policies the same?

No. Some fleet policies offer added value benefits and cover extensions that may be a useful addition to your cover. Others may offer assistance with risk management, optional Breakdown Cover or driver training as part of the package. There are different levels of cover options available and others may be a fleet declaration type policy. As experts in Motor Fleet insurance we can help you find the best policy to suit your requirements.

Does my fleet policy cover me to drive any vehicle?

No, you can only drive vehicles that are noted on the policy. Fleet policies do not cover driving other cars on a third party basis

Who can drive on a fleet policy?

Most fleet policies are usually arranged on an Any Authorised Driver basis which means that anyone can drive with the permission of the company/directors. However there are discounts available if you wish to restrict driving either to Named Drivers only or Any Driver but with a driver age restriction (e.g. Any Driver over 30). Younger drivers under 25, if included, will usually have an increased excess applicable when they are driving. At Fleetcover, our experts will be able to advise you on the best options available to suit your individual business needs so that you get the right cover at the very best price.

What about my personal vehicles?

Director’s own vehicles can usually be included in a company fleet as long as they are registered to the directors personally. A special motor certificate will need to be issued for these vehicles showing the registered owner’s name so they will need to be declared to us.

What vehicles can’t I insure under the policy?

– Vehicles which are insured elsewhere under a private policy
– Vehicles that are not registered in the UK or registered in the name of the company or a director.

What vehicles can I insure under my fleet policy?

Any vehicle which is owned by & registered to the company. This will also include hired-in vehicles and loan/courtesy car vehicles. Vehicles leased under a lease agreement to the company or one of its directors can also be added.

Do I qualify for a Fleet Insurance?

If you are a UK business with 3 or more vehicles then ‘yes’. There are no restrictions to the type of business which can have a fleet policy.


Call us today on 0345 224 5329 to talk about commercial fleet insurance and risk management.