3–10
Mini Fleet
Entry-level fleet policies
11–25
SME Fleet
Growing business fleets
26–100
Mid Fleet
Dedicated support
100+
Large Fleet
Enterprise solutions
Fleet & Motor Insurance Products
Select your vehicle type below to learn about the specific cover we arrange for your business.
Mini Fleet Insurance
For businesses with 3–10 vehicles. Market access without the complexity of larger fleet policies.
- 3–10 Vehicles
- Single Policy
- Flexible Driver Options
- Market Access
Mixed Fleet Insurance
Comprehensive cover for diverse fleets combining cars, vans, and commercial vehicles.
- Multiple Vehicle Types
- Single Renewal
- Volume Discounts
- Centralised Admin
Haulage & HGV Insurance
Specialist cover for haulage operators, logistics companies, and HGV fleets.
- HGV & Artic Cover
- Goods in Transit
- Operator Liability
- CMR Insurance
Motor Trade Insurance
Cover for garages, dealerships, bodyshops, and mobile mechanics.
- Road Risk Cover
- Premises & Stock
- Combined Policies
- Trade Plates
Courier Insurance
Specialist cover for delivery drivers and parcel carriers.
- Hire & Reward
- Goods in Transit
- Platform Compatible
- Flexible Options
Van Insurance
Commercial van cover for tradespeople and businesses.
- Tools Cover
- Business Use
- Any Driver Options
- Goods in Transit
Taxi & Private Hire
Cover for hackney carriages, PHVs, and rideshare drivers.
- Public & Private Hire
- Rideshare Cover
- Licensing Compliant
- Loss of Licence
HGV Insurance
Specialist cover for heavy goods vehicles and articulated lorries.
- Comprehensive Cover
- Trailer Insurance
- European Extension
- O-Licence Support
Goods in Transit
Protect cargo against loss, theft, and damage during transport.
- All Risks Cover
- CMR Liability
- Own & Customer Goods
- Refrigerated Cargo
Fleet Breakdown Cover
24/7 roadside assistance and recovery for commercial vehicles.
- 24/7 Callout
- HGV Recovery
- Onward Travel
- European Cover
Van Fleet Insurance
Fleet policies for businesses operating multiple commercial vans.
- 3+ Vans
- Single Renewal
- Any Driver Options
- Tools Cover
Business Fleet Insurance
Comprehensive fleet insurance for businesses of all sizes.
- All Vehicle Types
- Single Policy
- Named or Any Driver
- Volume Discounts
Coverage Options
Build a policy that matches your fleet's needs with these essential covers.
Comprehensive Cover
Full protection including accidental damage, fire, theft, and third-party liability for all vehicles in your fleet.
Goods in Transit
Cover for goods, tools, and materials carried in your vehicles while in transit or left overnight.
Any Driver Cover
Flexible policies allowing any authorised driver to operate fleet vehicles, subject to age and licence requirements.
Breakdown & Recovery
Roadside assistance, recovery, and onward travel cover to minimise downtime and keep your fleet moving.
Motor Legal Expenses
Cover for legal costs to pursue uninsured loss recovery following a non-fault accident.
Telematics Options
GPS tracking and driver behaviour monitoring to improve safety, reduce claims, and potentially lower premiums.
Specialist Fleet Brokers
With over a decade of experience arranging fleet insurance, we understand the complexities of commercial vehicle cover. Our team works with specialist insurers to find terms suited to your needs for fleets of all sizes.
- Access to specialist fleet insurers and Lloyd's markets
- Single policy for mixed vehicle types and uses
- Flexible driver options including any driver cover
- Claims management support and accident reporting
- Premiums suited to your risk profile through market-wide search
- Dedicated account management for larger fleets
Quick Quote Checklist
Have these details ready when you call for a faster quote:
- Vehicle list (registration, make, model, value)
- Driver details (names, DOB, licence info)
- How vehicles are used (business type)
- Where vehicles are kept overnight
- Claims history for the past 5 years
- Current policy documents (if renewing)
Fleet Insurance Explained
Fleet insurance is a specialist form of commercial motor insurance that covers multiple vehicles under a single policy. Rather than arranging separate motor policies for each vehicle, a fleet policy consolidates cover for all your business vehicles — whether cars, vans, HGVs, or a mixed fleet — under one renewal date, one premium, and one point of contact.
For UK businesses operating three or more vehicles, fleet insurance typically offers administrative simplicity, more flexible driver arrangements, and the ability to negotiate terms based on your fleet's overall risk profile. As an FCA-regulated broker, Focus Insurance Services searches the market to find fleet insurance terms suited to your specific business and vehicle mix.
Mini Fleet and Mixed Fleet Insurance
Mini fleet insurance is designed for smaller businesses operating between three and ten vehicles. It offers the administrative benefits of a fleet policy — a single renewal, combined claims history, and flexible driver options — without the complexity of larger fleet arrangements.
How Fleet Insurance Premiums Are Calculated
Fleet insurance premiums in the UK are influenced by several factors: the number and type of vehicles, the age and experience of drivers, the nature of the business use, where vehicles are kept overnight, and the claims history of the fleet over the past three to five years. Insurers also consider whether telematics or fleet management systems are in place.
Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FCA No. 717691). All insurance is subject to underwriting and policy terms. Cover descriptions are indicative only.
Knowledge Centre
Further Reading
In-depth guides to help you understand your insurance options.
Common Questions
Fleet Insurance FAQs
How many vehicles do I need for fleet insurance?
What types of vehicles can be covered on a fleet policy?
Can I add any driver to a fleet policy?
Is goods in transit cover included in fleet insurance?
How do I arrange fleet insurance through Focus Insurance?
Ready to Discuss Your Insurance Needs?
Our team is available Monday to Friday, 9am to 5pm. We will help you understand your options and arrange appropriate cover.
Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FCA No. 717691). Cover is subject to underwriting and policy terms.