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A Simple Guide to Small and Mini Fleet Insurance

Having company vehicles individually insured is a great way to spend a lot of money and waste a lot of time – and nobody wants that, right? At FleetCover, we offer the ideal solution to this problem, which is Small Fleet Insurance.

As a small business, cutting costs and saving time is so important and something many business owners will be looking to do.

If you aren’t aware of small fleet insurance, let us guide you through the basics below.

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What is Small Fleet Insurance?

Small fleet insurance (or Mini fleet insurance), is a form of cover that relates solely to people or companies looking to insure 2 or more vehicles. 

In terms of vehicles, small fleet insurance will consist of HGV’s, lorries, vans, cars or all. Due to legal obligations, it’s crucial to seek out adequate insurance and mini fleet insurance will allow you to insure multiple vehicles under one policy. 

If you are a small business, then you may be a perfect fit for mini-fleet insurance. Smaller businesses don’t need the same type of insurance that big companies have for large fleets, but they still need more protection than you would receive from a singular car insurance policy as usually there will be multiple drivers.

A mini fleet policy may save your company a lot of headaches as there is no need to insure lots of drivers under individual policies. With our insurance, you will be able to include all your vehicles under one single motor insurance certificate.

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How many vehicles can I insure under a mini fleet insurance policy?

Our mini fleet insurance policy typically covers 2 to 5 vehicles; however, there is no upper limit to the number of vehicles that we can insure. Any type of vehicle is included in this policy. 

What is the difference between small and mini fleet insurance?

There is no difference between a small and mini fleet insurance. The terms are interchangeable, and both cover companies that are looking to insure 2 or more vehicles in their fleet.

If you are a small business then you may be a perfect fit for a mini fleet insurance policy. 

How does small fleet insurance work?

Small fleet insurance will cover every vehicle in your small company’s ownership, regardless of the type of vehicle, even if you have just a couple. 

Motor insurance is a legal requirement in the UK for any vehicle on the road. Having a small fleet insurance policy in place helps companies remain legally compliant, reducing the risk of having any vehicles or drivers accidentally uninsured. 


What types of vehicles can be covered under small fleet insurance?

Small fleet insurance policies are flexible, and they allow you to add cars, vans, motorbikes, larger vans, trucks and lorries to your policy. 

The policy also allows you to choose the level of cover for each vehicle, such as third party or fully comprehensive cover.

How to save money on small fleet insurance

With costs on the rise, knowing how to save money on your fleet insurance will help you move some of that money saved to more important business matters.

  • Regularly assess your fleet’s accident history: You should consider the factors within your fleet which may cause your premium prices to increase. Compile any reports that have accumulated over the years and consider whether or not they have any common issues identified
  • Enforce minimum driving standards: Do this by regularly checking your drivers’ driving score, driving licence and any undisclosed convictions. You should take note of higher risk drivers, such as young or high mileage drivers.
  • Target drivers who don’t meet your standards: Consider creating measures which encourage safety on the roads, such as fleet safety training or in-car tuition tactics.
  • Increase the excess that you are willing to pay in the event of an accident.
  • Restrict who can drive the vehicles to either over 25’s only or over 30’s only, if this fits with your driver profile.
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Benefits of Small Fleet Insurance

Commercial vehicles are a fundamental component of many successful businesses. Having a fleet of company vehicles will allow your business to expand in different areas and target new customers in new locations.

So, why is having all your vehicles under one single motor insurance a good thing?

To start with, a small fleet policy will save you a lot of time. 

Having to insure individual vehicles under individual policies can be very time-consuming. Mini and small fleet insurance will ensure that your vehicles are taken care of under one manageable policy.

Ultimately, having your vehicles under one motor insurance will guarantee that paperwork and administration is simplified, leaving you more time to focus on other areas of your business.

Not only does our policies save time but it can also save you money. This is due to it being cheaper to insure vehicles under one policy instead of individual policies.

You will have the flexibility to easily add and remove vehicles from your policy including temporary vehicles which you may need to hire at short notice.

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How much does Small Fleet Insurance cost?

Now you know the benefits of having fleet insurance; but is it cost effective?

As a business, you’ll want to make good investments that will benefit your company in the long run. A fleet policy is far more cost-effective than insuring individual vehicles, so from a financial perspective, it makes a lot of sense to go for mini-fleet insurance.

The actual costs of insurance for your mini fleet will be dependent on the number of vehicles and the type of vehicles you have at your company. As your fleet grows, we can add the suitable level of insurance. To receive a quote for your fleet insurance, please get in touch with us below!

Small Fleet Insurance with FleetCover 

As you will now know, it makes a lot of sense to have small and mini fleet insurance if you are a relatively small business. The fact you can save a lot of time and money makes it completely worthwhile. 

At FleetCover, our goal is to provide you with a professional cover policy and a highly qualified team to guide you through the process.

For more information, get in touch and talk to one of our advisors today to experience the benefits yourself!

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