Managing a fleet of vehicles is a challenging job and if the unexpected strikes, you need a policy that can protect your operation, liabilities and assets.
We’re a national leader in supporting fleet insurance customers with some of the largest fleets across the UK.
We work with our customers to support them to actively manage their approach to risk and claims management, utilising our deep knowledge and experience in the space, while also holding longstanding relationships with all major fleet insurers in the UK. That’s why we are the approved broker for Amazon Delivery Service Partners (DSP) as well as members of the Cold Chain Federation.
What is fleet insurance?
Fleet insurance can start from as low as two or more vehicles that are used for business activities incorporating all types of vehicles. Fleet cover is designed to insure multiple vehicles assets under one fleet insurance policy. This means that you have flexibility over who can drive them and you don't need to insure each driver or vehicle individually. It can also provide access to expert legal help should you need it.
Get motor fleet insurance now
Get in touch with an insurance expert today to optimise your fleet insurance strategy. Together, we can ensure you achieve the best value for your fleet.
What does a motor fleet insurance policy cover?
Fleet insurance policies can include:
- Theft, damage and third-party liability
- Loss of, or damage to, your vehicles
- Vehicle recovery and repairs (including heavy goods vehicles)
- Replacement locks in the event of keys being lost or stolen
- Legal assistance plan
Typically there are three types of motor fleet cover:
- Third party only
- Third party fire and theft
- Comprehensive (most common)
Business Profiles
Marsh Commercial has a large and diverse portfolio of fleet clients including:
- Commercial company vehicles, including company cars and own goods vehicles
- Heavy goods vehicles (HGVs), trucking and haulage
- Public and private passenger transport
- Courier vans, last mile and other last mile logistics
- Haulage and middle mile logistics, courier fleet and hire and reward, and last mile food delivery
- Self-drive hire businesses
- Taxi-fleets
- Construction, agricultural, telecommunications and other specialist fleet
- Public service, blue-light, patient transport and wider public service vehicles
- Waste and recycling
Vehicles covered
Large, medium or mini-fleets, whatever vehicle you run, no matter the size of your fleet, we can find you the right fleet insurance solution for all your vehicles under one policy. If your business has two or more of the following company vehicles, we can help you:
- Cars
- Vans
- HGVs
- Coaches, mini-bus and passenger transport
- Ambulance and patient transport services
- Motorbikes or scooters
- Taxi
- Special
Get motor fleet insurance now
Get in touch with an insurance expert today to optimise your fleet insurance strategy. Together, we can ensure you achieve the best value for your fleet.
Frequently asked questions
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Fleet insurance providers can usually arrange cover for as little as two vehicles. Get in touch with one of our insurance experts who can help you find an insurance provider and policy to suit your needs.
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It's usually cheaper to insure your business vehicles under one policy, rather than insuring them individually. Once you have a fleet policy, you can check your driver data to see what can be improved to reduce accidents, which can help you to negotiate a cheaper rate. This is because the cost of fleet insurance is often calculated using your claims history.
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The motor insurance database is a central record of all vehicles that are insured in the UK, and this is shared with the DVLA to help identify uninsured vehicles. When you have a fleet policy, you will have multiple vehicles insured under a single policy with one renewal date. Some insurers will allow you to access and maintain your vehicles on the motor insurance database directly.
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Typically there are three levels of cover:
- Third party only: This is the basic level of insurance cover that’s required by law. It only covers you for third-party damage to property and liability for injury to others. Any damage to your vehicle is typically not covered.
- Third party fire and theft: This covers all the basics covered by third party only, but also insures for fire and theft damage too.
- Comprehensive: This is the most common cover. It covers your vehicles for all collisions, even those where your drivers are liable. Some insurers also provide cover for damage to windscreens, accidental damage, medical costs and personal effects.
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There are a number of optional covers that insurers may offer that you can add to your policy including breakdown cover, legal expenses, uninsured loss recovery, new vehicle replacement cover, courtesy cars and additional cover for driving overseas. Some may be automatically included in your policy and others may be available as extra cover, depending on which policy you choose. Policy limits and exclusions may apply, please see your policy wording for full terms and conditions.
