New Fleet Insurance
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New Fleet Insurance
Starting a business or expanding your operations with multiple vehicles can bring new insurance requirements. If you’re arranging insurance for two or more vehicles for the first time, new fleet insurance can provide a way to manage your commercial vehicle cover under a single policy.
Also known as first-time fleet insurance or new venture fleet insurance, this type of cover can be suitable for businesses setting up a new fleet or moving from individual vehicle policies to fleet insurance.
At 1st Choice Insurance, we help businesses explore fleet insurance options from a wide panel of insurance providers. Our experienced team can discuss your vehicles, drivers and business activities and help you arrange cover suited to your requirements.
Whether you’re starting with two vans or operating a larger fleet of cars, minibuses, HGVs or other commercial vehicles, we can help you understand the available insurance options.
Get a New Fleet Insurance Quote
Every new fleet is different. Our team will discuss your vehicles, drivers and business activities before helping you explore suitable fleet insurance options.
If you’re arranging fleet insurance for the first time, call our team on 03301 081615 or complete our quote form below to discuss your requirements.
What is New Fleet Insurance?
New fleet insurance is a form of commercial motor insurance for businesses looking to insure two or more vehicles under a single policy.
Rather than arranging separate insurance policies for each vehicle, a fleet policy can bring multiple vehicles together under one insurance arrangement. This can simplify administration and provide a central policy for managing your commercial vehicles.
New fleet insurance may be suitable for:
- Start-ups operating multiple vehicles
- New businesses building a commercial vehicle fleet
- Businesses expanding from one vehicle to several
- Companies moving from individual vehicle policies to fleet insurance
- Businesses operating vans, cars or other commercial vehicles
- Businesses with mixed vehicle fleets
Depending on the policy and insurer, businesses may have different options for driver arrangements, vehicle types and additional covers.
The insurance available will depend on your business activities, vehicles, drivers and the insurer’s underwriting criteria.
Who Is New Fleet Insurance Suitable For?
New fleet insurance may be suitable for businesses arranging insurance for multiple vehicles for the first time.
This can include:
Start-Ups and New Businesses
Businesses launching with several vehicles may be able to arrange fleet insurance rather than insuring each vehicle separately.
Businesses Expanding Their Vehicle Fleet
If your business has previously operated one or more vehicles and is now adding further vehicles, fleet insurance may provide an alternative way to manage your commercial vehicle insurance.
Delivery and Courier Businesses
Businesses operating multiple delivery vehicles may require fleet insurance to cover vans or other vehicles used for transporting goods.
Taxi and Private Hire Businesses
Depending on licensing requirements and the nature of the operation, fleet insurance may be available for businesses operating multiple passenger vehicles.
Minibus and Coach Operators
Businesses and organisations operating several minibuses or coaches may be able to arrange fleet insurance for their vehicles.
HGV and Commercial Vehicle Operators
Businesses operating multiple HGVs or other commercial vehicles can explore fleet insurance options designed around their vehicle types and business activities.
Benefits of New Fleet Insurance
Simplified Fleet Administration
Insuring multiple vehicles under one policy can make managing your commercial vehicle insurance easier than maintaining separate policies for each vehicle.
Depending on the policy, you may have a single renewal date and centralised documentation for your fleet.
Flexible Fleet Options
Fleet insurance can often be adapted to the way your business operates, with options for different vehicles and driver arrangements depending on the insurer.
Cover for Multiple Vehicles
A fleet policy allows two or more vehicles to be insured under one insurance arrangement, subject to the insurer’s criteria.
Easier Policy Changes
Many fleet policies allow businesses to add or remove vehicles during the policy period, subject to insurer approval and any applicable changes to the premium or policy terms.
Options for Additional Cover
Depending on your business activities, additional covers may be available alongside your motor insurance, such as:
- Public liability insurance
- Employers’ liability insurance
- Goods in transit insurance
- Breakdown and recovery
- Legal expenses cover
- Tools and equipment cover
These covers are not automatically included in every fleet policy and availability will depend on your requirements and the insurer.
Types of New Fleet Insurance
We can help businesses explore new fleet insurance options for a range of vehicle types, including:
- Van fleets
- Courier fleets
- Taxi fleets
- Minibus fleets
- Coach fleets
- HGV fleets
- Company car fleets
- Mixed vehicle fleets
The vehicles that can be included will depend on the insurer and your business activities.
Third Party Only
Third Party Only provides cover for your legal liability to third parties for injury or property damage arising from an insured incident. It does not cover damage to your own vehicles.
Third Party, Fire and Theft
Third Party, Fire and Theft provides third-party liability cover alongside protection against certain losses involving fire and theft, subject to the policy terms.
Comprehensive Fleet Insurance
Comprehensive cover provides a broader level of protection, including cover for your own vehicles as well as third-party liabilities, subject to the policy terms, conditions and exclusions.
Additional cover options may be available depending on the insurer.
What Types of Vehicles Can Be Included?
The types of vehicles that can be included within a new fleet insurance policy will vary between insurers.
Depending on the policy, fleets may include:
- Cars
- Vans
- Pick-up trucks
- Minibuses
- Coaches
- HGVs
- Specialist commercial vehicles
- Mixed vehicle types
If you operate different types of vehicles, our team can discuss your fleet requirements and help you explore the available options.
Frequently Asked Questions About New Fleet Insurance
What is new fleet insurance?
New fleet insurance is commercial motor insurance for businesses arranging cover for two or more vehicles, particularly where they are establishing a fleet for the first time.
Who is new fleet insurance suitable for?
It may be suitable for start-ups, new businesses and existing businesses that are moving from individual vehicle insurance to a fleet policy.
How many vehicles do I need for new fleet insurance?
Many insurers can arrange fleet insurance from two vehicles, although minimum vehicle requirements vary between insurers.
What types of vehicles can I include?
Depending on the insurer, fleet policies can cover cars, vans, minibuses, HGVs and other commercial vehicles. Some insurers can also accommodate mixed fleets.
Can I add vehicles after the policy starts?
Many fleet policies allow vehicles to be added or removed during the policy period, subject to insurer approval and any changes to the policy terms or premium.
Do I need to insure each driver individually?
This depends on the policy. Some insurers offer named driver arrangements, while others may provide broader driver options subject to their underwriting criteria.
Does fleet insurance include public liability insurance?
Not necessarily. Public liability insurance is a separate type of cover, although it may be available alongside fleet insurance depending on your business requirements.
Can I add goods in transit cover?
Goods in transit insurance may be available if your business transports goods, stock, tools or equipment. This is separate from the vehicle insurance and will depend on the insurer and your requirements.
Does new fleet insurance include breakdown cover?
Breakdown and recovery cover may be available as an optional addition, depending on the insurer and policy selected.
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