Motor Fleet Insurance

For those with over 5 vehicles a Motor Fleet Insurance policy may be the best option. Fleet insurance provides a simplified policy where all vehicles are included on a single policy, with one renewal date, designed to save you time and money over individual vehicle insurance.

Motor fleet insurance cover can accommodate almost any mix of vehicle – including van, haulage, goods in transit, courier, company cars and taxi – to offer greater buying power and flexibility to insurance. Policies can be taken out in an individual’s name or that of a company, with no age restrictions.


Main Features

We offer insurance for motor fleets of 5 to over 400 vehicles, including cars, taxi fleets, vans, HGV/haulage, goods in transit and courier. Our comprehensive fleet policies can include cover for:

  • Fleet policies from 5 vehicles up to over 400 vehicles
  • HGV / Haulage fleets (2+ Vehicles)
  • Taxi fleets
  • Courier fleets
  • A bespoke fleet from a mix of vehicles
  • Company car fleets of ‘pool cars’ for the use of employees
  • Specialist mini fleet policies (2 to 5 vehicles)
  • Families with several vehicles
  • Full EU cover (as well as Iceland, Norway and Switzerland)
  • Any age or driver profile (accident/convictions considered)
  • Quality network of cost-effective repairers
  • Interest free monthly payments
  • Legal assistance
  • 24-hour emergency helpline
  • Windscreen repair
  • Courtesy cars and vans
  • Enhanced claims service


Helping you find the right insurer

At Flint Insurance, we understand that selecting exactly the right insurance from the right provider can be a complex and daunting task. Our specialist commercial advisors are on hand to guide you through each step and find a motor fleet insurance quote and policy that is right for you and your business.

We will assist you to make the buying process as easy as possible, as well as help and advice throughout the life of your insurance. Our fleet insurance brokers will interact on your behalf with a panel of market leading, highly established and secure industry leaders in insuring commercial motor fleets. We will find you the best policy for your needs, tailoring the cover to exactly meet the size and needs of your business.

Once cover is in place, we will continue to provide help and advice throughout the life of your insurance. Furthermore, to ensure you are getting the most from your insurance, we will also offer specialist advice on insurance telemetry products and policies, plus other new and leading technologies.

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Speak to our brokers today

Call us today and speak directly with a member of our specialist broker team. They will take a few details, speak to you about your situation before seeking fleet insurance quotes from a range of insurers on your behalf. The same broker will assess the quotes before recommending a policy to you that strikes the balance of cover and affordability.

Request a callback

    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 021 4507 and one of our team will be more than happy to help.

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    Customer Satisfaction

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    Rated our service ‘extremely good’

    Why you should talk to Flint

    Flint Insurance is a trusted, experienced independent insurance broker. As an insurance broker, we do not underwrite our own insurance products, but work with a panel of carefully selected, quality insurers to secure the best possible insurance policies for our clients.

    Select Flint insurance and benefit from:

    An expert broker – to research and advise on exactly the right cover for your business.  A hassle-free process for you.

    A free service – using Flint to find and broker your insurance does not cost you or your business.

    A tailored service – the insurance cover and policy are tailored to your business’s needs.

    A single policy – a single policy, with the same date for inception and renewal, to cover all your vehicles and drivers. You will see the financial benefit from economies of scale.

    Administrative ease – the administrative process for you as a business is easier and more economical when handling one, single motor fleet insurance policy.

    Claims management – If you do need to claim, we will manage the claims process on your behalf, negotiating directly with the insurer.

    There is no huge call centre or push to sell you a particular product, as you might experience by talking directly to some insurance companies. With Flint, you deal with an experienced insurance advisor who handles your risk and considers this against a wide range of options to find the best solution for you and your business.

    Whether you are a small business or large corporation, Flint seeks to understand your unique business needs and make expert recommendations for your insurance cover. Experts in our field, we work with trusted insurers, keeping up to date across the market to secure comprehensive cover at the best rates.

    Regulated by the Financial Conduct Authority (FCA), Flint Insurance is proud to represent your business interests as our primary concern, finding you the best motor fleet policy options and insurance quotes to suit your individual business.

    There will never be a cost to you or your business for our expert services, and we are able to secure you the most favourable insurance rates, based on established partnerships with major insurance firms.

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    How to minimise your insurance costs

    At Flint Insurance, we understand how important it is to balance costs to your business with protection for your business. That is why we make it our aim to help you to minimise your fleet insurance cost, whilst ensuring you have the best cover for your business needs.

    As part of our Claims and Risk Management Serviceour specialist advisors can help you to achieve this in a number of ways:

    • Understanding your business – as specialists of over 30 years in commercial motor trade, mini fleet, and motor fleet insurance, we are able to work with you to understand your business in minute detail. We will review past performance and historical claims to spot obvious trends. This enables us to make tailored recommendations for your insurance programme, ensuring that you are only paying for the cover that your business needs.
    • Helping you to understand your insurance – Your job is driving a successful business, not being an insurance expert. By trusting in our expertise in the insurance sector, we will ensure that you have all the information you need to make the right decisions to protect your business. Your advisor will always provide you with clear explanations of your insurance contract and answer any questions you have, so that you understand exactly what is covered and how.
    • Risk management -Your advisor will be able to make suggestions for strategies or policies that you could put in place to help reduce or manage risks within your business. As experts in Risk Management, our highly trained staff can provide professional advice on a wide range of driving initiatives designed to help you reduce your claims. For instance, running a compliant motor fleet, using dashcam technology, vehicle telematics and vehicle trackers, together with risk mitigation and claims control will help by reducing risk to your business. This, in turn, will lower your insurance premiums.
    • Claims management – by supporting you to limit or stop the need to make a claim against your business insurance, your risk profile drops, making it possible to secure the lowest possible insurance premiums for you.

    If you do need to claim

    In the unfortunate event that your business needs to claim against your fleet insurance policy, our claims executives will negotiate the best possible settlement on your behalf.

    Our specialist motor fleet service will provide you with:

    • 24/7 claims reporting
    • Management of any outstanding claims from previous policies
    • Regular claims review and reporting, meaning no surprises at policy renewal
    • Reserve and claim settlement reviews
    • Free uninsured loss recovery
    • Non-fault hire (using like for like vehicles)
    • Personal injury recovery (non-fault claims – drivers and any passengers)
    • Courtesy vehicles for fault claims for the duration of the repair
    • Nationwide garages who keep costs and vehicle off road times to a minimum

    As part of our comprehensive service to you, our claims experts are ready to deal with all claims from start to finish, ensuring the process is smooth and hassle free for you.

    The Flint Claims Management service gives you the peace of mind that your business is supported by commercial claims experts who have the knowledge and experience gained from dealing with minimal losses to large catastrophes.

    Additionally, the understanding we have of your business helps us to better support you throughout a claims process. We work hard to ensure that any loss has as little impact on your business as possible, and that you can continue with business as usual. Where a claim is necessary, we are always the advocate of our clients.


    Need to claim?

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    Questions you might have

    How many vehicles are needed to qualify for fleet insurance?

    The minimum number of vehicles required to make up a ‘fleet’ policy can vary across insurance providers.

    For Motor Fleet policies – Flint can provide you with 5 vehicle fleet insurance policies to 400+ vehicle policies.

    For Mini Fleet policies – Flint can provide you with policies for 2 to 5 vehicles.

    For Haulage Fleet policies – Flint can provide you with policies for 2 vehicles and up.

    As your fleet grows, we can provide policies that cover you to over 400 vehicles.

    Flint can provide policies for collections of the same vehicle type, commonly – taxis, vans, company cars, HGVs and for families with several vehicles. We can also provide fleet policies for mixtures of vehicles.

    What are the advantages of fleet insurance?

    A motor fleet policy insures the vehicles (rather than the individual drivers). This provides more flexibility over who can drive the vehicles on the policy.

    Can different types of vehicle be insured on one fleet insurance policy?

    Yes. Almost any type of vehicle can be insured with a fleet policy. There can sometimes be restrictions on rare or high-value vehicles so please check with us when requesting a quote.

    Do you provide cover for taxis?

    Yes. If you are looking to insure more than 5 vehicles then a motor fleet policy will work better for you. If you are looking for insurance for 2-5 taxis then mini fleet insurance will suit your needs.

    We can provide fleet insurance quotes for both private hire and public hire taxi fleets. Black cabs, mini cabs and mini-buses are all eligible for policy cover.

    We can provide policies beyond taxis to cover cars, vans, taxi fleets, haulage and a mixture of vehicles.

    Can anyone drive the fleet vehicles?

    Yes. Most fleet policies are arranged on an ‘Any Authorised Driver’ basis which means that as long as they have the permission of the insurance proposer, anyone who holds the necessary driver’s licence can drive the vehicles.

    This classically applies to employees and sub-contractors but can also extend to family members. But, please remember that the onus is on the insured to carry out the usual driving licence and DVLA checks for convictions etc.

    The cost of motor fleet insurance quotes can be reduced by placing restrictions on who can and cannot drive the insured vehicles. For example, only allowing people over the ages of 25 with clean driving licences to drive your vehicles would reduce your premiums, i.e. your fleet insurance costs. Consider who will be driving your vehicles and ask us about ‘fleet insurance any driver over 25’ or ‘fleet insurance any driver over 18’ policies.

    On some occasions we will need to ask for a little more information on the insured drivers. This is if the insurance underwriter needs to know more information about the drivers on the policy and any motor convictions. Our insurance brokers will advise you if the insuring underwriter requires more information to provide a quote and policy.

    When will the cover start?

    Once a specialist advisor has spoken with you and researched the best motor fleet insurance quotes for your business, we will move quickly to confirm the insurance cover options. When we have mutually agreed the best policy for you, we will action the policy with the insurance firm and confirm the cover with you. Once we provide you with the confirmation, your business will have immediate insurance cover.

    How long are the insurance quotes valid for?

    The majority of insurance quotes from Flint are valid for 30 days. However, the validity period can vary across both insurers and quotes provided. We will confirm the validity period when we provide you with a quote. If you do not take up the quote within the validity period, a reassessment of your insurance needs will need to be carried out and a new quote established. This may differ from the original, depending on changes within the insurance market.

    What levels of insurance cover can be provided?

    Just like normal car insurance, we offer three basic levels of motor fleet insurance:

    Third party – the minimum lever of cover to legally drive in the UK. Third party insurance covers your fleet for liability of injury to others (including passengers) and damage to third party property.

    Third party, Fire and Theft – provides mid-level of cover to your vehicles. Third party, Fire and Theft cover provides additional cover for fire damage to your vehicles, theft of your vehicles and for damage to your vehicles caused during theft.

    Comprehensive – provides the maximum level of cover. In addition to Third party, Fire and Theft, Comprehensive insurance provides cover for damage to your fleet vehicles if they are involved in an accident or incident, loss or damage to personal effects and, medical expenses for anyone involved in an accident or incident involving your vehicles.

    Can you cover vehicle contents?

    Yes. As part of the insurance policy we can offer ‘personal effects’ cover for the driver’s personal belongings. Please ask us about vehicle contents cover when you speak with our advisors, and we will assess what level of personal contents cover will suit you best.

    Do you provide cover for ‘Goods in transit’?

    Yes. Most insurers also offer ‘goods in transit’ cover as standard. This provides essential cover for stock collection and protection for business deliveries.

    Is breakdown cover included with motor fleet policies?

    Not automatically. Most insurers can provide breakdown cover, but the cover will need tailoring to your policy. It is something you should discuss with our insurance brokers because the level of breakdown cover could vary depending on the type and age of your fleet vehicles.

    Can I use NCD when moving on to a fleet policy?

    Yes. The ‘No Claims Discount’ (NCD) usually comes into play when setting up a fleet for the first time, because you can use your personal no claims discount, as long as the vehicle that you drive forms part of the fleet.

    How do I buy motor fleet insurance?

    The type of client and size of business benefiting from fleet insurance can vary widely. In order to select an insurance policy and quote that fits your needs, we need to speak with you to answer a range of important questions about you and your business. A member of our specialist commercial broker team will spend time talking to you to assess your unique insurance needs.

    You can contact us via telephone on 0800 021 4504 (9:00am to 6:30pm Monday to Thursday, and 9:00am to 5:30pm on Friday). Alternatively, fill out the form on this webpage and we will be pleased to call you back at a time that is convenient for you.

    Is fleet insurance actually cheaper?

    Yes. For multiple vehicles, fleet insurance is generally cheaper than having a number of vehicles on individual policies. Depending on the size of your fleet, the savings on your insurance premiums could be substantial.

    Do you offer price matching for cheaper quotes?

    If you already have a quote from another fleet insurance provider, please share this with us and ask us for a competing quote. As an insurance broker, we are able to negotiate rates on your behalf from a wide panel of UK insurers, often at preferable rates. We will endeavour to find you the same policy cover for a lower price.

    Can Telematics/Cameras save me money on my insurance premiums?

    Yes. As long as they are used in the right way. Telematics are there to monitor driver behaviour and depend on taking a disciplined approach to correct bad practice such as speeding, breaking harshly, cornering etc. Good driving will ultimately reduce the number of motor claims.

    In-vehicle cameras can be used to establish who is at fault and also prevent fraud.

    These initiatives will not reduce premiums immediately, but if properly utilised they can reduce the number of accidents and therefore claims, which will ultimately cut the cost of your insurance.

    Does my policy include a driving other cars extension?

    No. Where as a private car policy will usually cover you to drive, say a neighbour’s vehicle, on a third party basis, this does not apply to fleet vehicles.

    Can I use my vehicles abroad?

    Yes. Currently they are covered for driving within the EU, but depending on Brexit, what you need to take with you when travelling abroad may change.

    Can I use my vehicle for social, domestic and pleasure?

    Yes, your fleet policy does extend to cover use of your work vehicle for holidays or whilst at home etc.

    I also own the buildings that the motor fleet trades from. Can you cover this as well?

    Yes. We can provide additional business and building insurance cover for your trading address. Speak with us about this so that we can find you a comprehensive policy which covers the risks and also the building itself.

    What vehicle information needs to be supplied?

    The cost of insurance premiums can vary significantly. A major factor for the insurance firm providing cover is understanding the size of your business, the number and type of vehicles and drivers it uses, its trading nature and the risks it faces. Before they can quote, the insurance underwriters will want to know about the number, type and age of your vehicles, as well as the number of drivers, the mileages they drive, the nature of the job and any motor convictions. It is advisable to gather this information before you speak with us.

    Call us on 0800 021 4507

    9:00am to 6:30pm
    Mon – Thurs
    9:00am to 5:30pm