Fleet Insurance

Howden have been providing insurance policies as your local broker for over 30 years.

Since 1993 Howden Insurance have been providing insurance policies to communities across the UK as a local insurance broker.

For fleet insurance policies, we achieve this by working specialist insurers across the commercial vehicle industry and compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Regardless of the fleet you need to insure, and whatever budget your is, we'll do everything we can to help you get your hands on a comprehensive policy.

We at Howden Insurance also acknowledge that each policy needs to be as individual as its owner and their fleet of vehicles, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

To get a quote, you can either give us a call on 01622 828 655, submit a call-back request on our website, or visit us in your local Howden branch.

What is fleet insurance?

Fleet insurance is a type of business insurance that’s designed to insure multiple vehicles, starting with as little as two. It’s vital for many organisations, as their fleet vehicles are a significant investment, and is often a key part to ensuring that their operations are efficient and successful.

You can find out more about what a motor fleet insurance policy is and how it can help you in our conveniently named guide: What is fleet insurance?

How does fleet insurance work?

A fleet insurance policy can cover anything from all your business vehicles and drivers to your own vehicles and employees.

Similarly to other car-related insurance products, there are three different levels of fleet insurance cover you can choose from too:

• Comprehensive
• Third party, fire and theft
• Third party only

We, as an insurance broker, can help you pick the best level of cover for you, along with the policies you want.

On top of that, different fleet insurance policies will provide cover some for more specific things with the help of policy add-ons. The insurers we work with can provide the cover for the following:

• Personal belongings
• Tools and equipment
• Lost vehicle keys
• Other transported goods
• Breakdown cover

All in all, a Howden fleet insurance policy, sourced from one of the many specialist motor insurers we work with, is crafted to suit the specific insurance needs of each business. We strive to ensure that whatever taxi fleet policy you choose will provide the right cover, that can give you that complete peace of mind you’re after.

Different types of fleet insurance

Fleet insurance for personal cars

This policy covers a group of personal vehicles under a single insurance agreement, simplifying management and potentially offering cost savings compared to individual policies. It's ideal for families with multiple cars or individuals managing vehicles for personal use.

Private hire fleet insurance

This commercial insurance is designed for fleets of vehicles used for transporting passengers for a fare, such as taxis and chauffeur services. It accounts for the increased risk associated with commercial passenger transport and ensures compliance with licensing requirements.

Fleet insurance for business

This policy covers a range of vehicles used for business operations, from company cars and vans to specialised equipment. It streamlines insurance administration and can be tailored to the specific needs and risks of the business.

HGV fleet insurance

This specialised insurance covers fleets of Heavy Goods Vehicles (HGVs) used for transporting goods. It considers the unique risks associated with large commercial vehicles, including their size, weight, and the distances they travel.

Self drive hire fleet insurance

This insurance is for fleets of vehicles that are rented out to customers for self-driving purposes. It addresses the risks associated with multiple drivers and the potential for higher mileage and varied usage.

Minibus fleet insurance

This policy covers fleets of minibuses used for transporting groups of people, whether for commercial or non-profit purposes. It takes into account the specific risks involved in transporting multiple passengers and often includes public liability coverage.

Fleet insurance for vans

This insurance covers a collection of vans used for various business purposes, such as deliveries, service calls, or transporting goods. It provides comprehensive protection for these essential commercial vehicles under a single van insurance policy.

Below are the different types of vehicles we can cover under a fleet policy:

• Cars
• HGVs and trucks
• Minibuses
• Motorcycles
• Taxis
• Vans
• Agricultural vehicles

How much does fleet insurance cost?

The cost of fleet insurance in the UK can vary significantly, mainly because insurance companies take into account a wide range of factors before determining the cost of a fleet insurance premium.

These factors are:

Number of vehicles in your fleet

The greater the size of your fleet, the greater the risk to the insurer. The same goes for multiple drivers.

Types of vehicles

Different commercial vehicles come with different risks, so your fleet type will affect the price of a policy.

Drivers' ages and driving histories

Less experience driving and higher-risk drivers could be susceptible to pricier policies. Your claims history could influence your premium.

The level of coverage required

Whether you opt for a comprehensive, third-party, fire and theft or third-party level of cover will impact policy premiums. The amount of voluntary excess you opt for is significant too.

Location of your business

Policy premiums can naturally vary geographically.

How your fleet business falls under each of these categories will determine how much your fleet insurance costs. It will also determine ways that you could make your fleet insurance cheaper, whether that's opting for a particular level of coverage, or perhaps making your entire fleet more secure.

A good way to explore how different policies cost different prices is to speak to an insurance broker, such as Howden. Our team can help you find a flexible policy, that can provide adequate cover for all your vehicles, within the parameters of a budget that you set.

How to get a fleet insurance policy

Getting a fleet insurance quote doesn’t need to be complicated or stressful. All you need to do is give us a call on 01235 550 200, and you'll be put in touch with a member of our specialist vehicles team. Alternatively, you can click the ‘Get a quote’ button either at the top or the bottom of this page.

Once you’ve reached out to us, we’ll ask you for some key information about yourself, all necessary so that we can help you find a fleet policy that not only ticks all your boxes, but also doesn’t exceed your budget limitations.

We’ll get some quote options over to you, and then it’s up to you to decide which cover suits you and your fleet business best.