Motor Fleet Insurance that fits the way you use your vehicles
You might run a couple of vans, a mixed fleet or a larger fleet that includes heavy goods vehicles. Every delay costs you time, money and reputation. Accidents, repairs, theft and driver-related issues can all disrupt your day.
The right fleet insurance helps you stay on the road with less stress and less disruption.
Who this suits
Fleet cover is ideal for:
Companies with mixed fleets, including cars, vans, heavy goods vehicles and specialist vehicles or plant
Trades and contractors with several work vehicles
Delivery firms, service teams and mobile workers
Businesses that want one renewal date and simpler admin
Companies whose drivers visit clients, carry goods or travel between sites
If vehicles keep your business running, fleet cover helps keep things simpler.
What your policy can include
Every fleet is different, with vehicle types, driver profiles, routes and risks varying from one business to another. We work with several insurers to shape your cover around how your vehicles are used and who drives them. Exact features vary by insurer, and we’ll clearly explain what applies to your policy.
Core protection
Your fleet policy can include:
Cover level
Comprehensive, third-party fire and theft, or third-party only cover.
Comprehensive, third-party fire and theft, or third-party only cover.
Vehicle types
Cover for cars, vans and mixed fleets.
Cover for cars, vans and mixed fleets.
Business use
Cover for visiting clients, working across multiple sites or island-wide travel.
Cover for visiting clients, working across multiple sites or island-wide travel.
Windscreen cover
Cover for chips, cracks and full windscreen replacement.
Cover for chips, cracks and full windscreen replacement.
Items in vehicles
Cover for tools, business equipment and goods carried in your vehicles.
Cover for tools, business equipment and goods carried in your vehicles.
Replacement vehicles
Cover for a replacement vehicle following an insured incident, where available.
Cover for a replacement vehicle following an insured incident, where available.
Driver basis
Options for named drivers, any-driver cover, age-banded drivers and temporary or seasonal drivers.
Options for named drivers, any-driver cover, age-banded drivers and temporary or seasonal drivers.
Liability cover
Cover if the use of your vehicles causes injury to other people or damage to their property.
Cover if the use of your vehicles causes injury to other people or damage to their property.
Optional extras
We help you choose what’s useful and avoid what you don’t need.
Options can include:
Breakdown and roadside assistance (arranged separately from fleet cover)
Discounts for claims-free driving experience, where available
Cover for trailers or towed equipment
Cover for signage, wraps and vehicle branding
Driving abroad cover for fleets that travel off-island
Legal expenses cover for contract disputes, claims defence or accident-related legal issues
Personal accident cover for drivers
Some specialist or higher-risk fleets may need additional insurer information before terms can be offered.
We’ll guide you through what’s needed.
Fleet-specific points we help you think about
No two fleets operate the same way. We help you think through the things that really matter to how your vehicles are used.
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How your claims history affects your premium
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How to insure vehicles with fitted equipment, racks or modifications
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Cover for seasonal drivers or temporary staff
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Whether you need cover for vehicles used out of hours or stored off-site
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How to cover vehicle signage, logos and branding
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Whether tools, parts or business kit in vehicles need separate cover
How we help
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Step 1 of 4
You tell us about your fleet You tell us what vehicles you have, how you use them, who drives them and your claims history.
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Step 2 of 4
We compare insurers We approach suitable insurers, gather fleet quotes and check the details for you.
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Step 3 of 4
You review your options We explain what each quote covers, how the insurers differ and what we believe your business may need.
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Step 4 of 4
We arrange your policy Once you are happy, we set up your cover and send your documents.
We are here at renewal and if you ever need help with a claim. Every policy has terms, conditions and exclusions, and we explain these clearly.
Why use a broker for motor fleet insurance?
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We work for you, not for the insurers.
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We are local and understand island roads, routes and business needs.
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We explain things clearly, with no jargon.
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We help with mixed fleets, driver requirements and claims history.