Motor Fleet Insurance
Whatever size or type of vehicle your fleet operates, we will find a policy that suits your business.
Motor Fleet Insurance & Risk Management
Motor Fleet Insurance is essential for any business operating multiple vehicles. Whatever size or type of vehicle your fleet operates, Daines Kapp will find a policy that suits your business.
Naturally, your fleet is one of the most significant overheads for a trading business. With claims costs rising and road risks increasing, you need a brokerage that actively helps you control your premiums.
Whether you operate a small fleet of 3 vans or a mixed logistical fleet of 50+ HGVs and company cars, the administrative burden can be heavy. At Daines Kapp, we simplify the process. We replace the headache of multiple renewal dates and conflicting paperwork with a single, robust policy designed to keep your business moving.
Furthermore, our commercial team understand that a vehicle off the road is revenue lost. Therefore, we focus on getting you back in the driving seat quickly.
What is Motor Fleet Insurance?
Motor Fleet Insurance is a commercial policy that covers multiple vehicles (typically three or more) under a single agreement. It allows businesses to insure a mix of vehicle types—cars, vans, trucks, and special types—with one renewal date and often one common level of cover.
The primary benefit is flexibility. Instead of insuring a specific driver on a specific car, a Fleet Policy generally offers “Any Driver” cover. Consequently, any employee with the correct licence can drive any vehicle in your fleet (subject to age restrictions). This is essential for operational fluidity.
What Does a Motor Fleet Insurance Policy Cover?
While every business is unique, a comprehensive policy typically includes specific protections. We tailor these to match your exact vehicle usage.
| Cover Type | What It Protects |
|---|---|
| Third-Party Liability | Essential cover for injury to the public or damage to other people’s property. |
| Own Damage | Covers repairs or replacement of your own vehicles following an accident, fire, theft, or vandalism. |
| Legal Expenses | A vital addition that covers legal costs to recover uninsured losses (like your policy excess or loss of earnings) if an accident wasn’t your fault. |
| Trailer Cover | Protection for detached trailers, which is often essential for hauliers and construction firms. |
The “Any Driver” Advantage
Most SME fleets opt for “Any Driver over 25” or “Any Driver over 30.” This gives you the freedom to swap drivers between vehicles without calling us every time. However, if you have young apprentices or specific drivers with adverse records, we can tailor the policy to include them as named drivers. This ensures you aren’t paying over the odds for the whole fleet.
Controlling Costs: Fleet Risk Management
In the current market, fleet premiums are driven by claims frequency. A fleet that crashes often—even minor bumps—will see premiums soar. We don’t just send you a renewal quote; we help you manage the risk.
We work with leading insurers (including Aviva, Allianz, and AXA) to provide you with tools to lower your risk profile:
- In-Vehicle Cameras: Dashcams are the single best way to prove liability. “Crash for Cash” scams are a reality for UK businesses. A camera proves your driver was not at fault, protecting your claims history.
- Telematics: For larger fleets, telematics can monitor harsh braking and speeding. This data highlights which drivers need training before they cause a major accident.
- Accident Management: First Notification of Loss (FNOL) is critical. Reporting an accident within the hour can save thousands in credit hire charges.
The Legal Stuff: The Motor Insurance Database (MID)
If you insure a fleet, you have a legal obligation to keep the Motor Insurance Database (MID) updated. If you buy a new van or sell a car, the MID must be updated immediately. Failure to do so can result in police stopping your drivers and impounding vehicles.
For official guidance on your obligations, you can visit the Motor Insurers’ Bureau (MIB) website. We ensure you stay on the right side of the law without drowning in paperwork.
Why Choose Daines Kapp for Your Fleet?
We are a “Family Feel” brokerage with corporate capability. Unlike a call centre where you speak to a different person every time, we offer continuity.
You speak to the same people each year who know your business history. Additionally, if a third party disputes liability, we fight your corner with our in house claims team advocating on your behalf. We don’t just let the insurer settle 50/50 if we believe you were in the right.
Let’s get your fleet moving
Stop worrying about the paperwork and start controlling your costs. Contact the commercial team today for a review of your fleet schedule.
Frequently Asked Questions
What is the minimum number of vehicles for a fleet policy?
Typically, insurers classify a “fleet” as 3 or more vehicles. However, some mini-fleet policies can start with just 2 vehicles. As your fleet grows, the policy grows with you.
Can I insure cars and vans on the same policy?
Yes. A Motor Fleet policy is designed to cover a “mixed fleet.” You can insure company cars, transit vans, HGVs, and even special types (like forklifts or excavators) all on one schedule.
Does fleet insurance cover Any Driver?
Yes, “Any Driver” is a standard feature of fleet insurance. It usually comes with an age restriction (e.g., Any Driver 25+). This allows flexibility for your operations. Younger drivers can usually be added as specific “Named Drivers.”
What happens if I forget to update the MID?
It is a criminal offence to keep a vehicle on the road without valid insurance. If the MID is not updated, Automatic Number Plate Recognition (ANPR) cameras may flag your vehicle as uninsured, leading to police stops, fines, and vehicle seizure.
