Private Car Fleet Insurance

One policy for your entire company car scheme. Whether you manage a handful of executive vehicles or a large multi-driver fleet, we help you find suitable cover and keep things simple.

✓ Any driver options available
✓ One renewal date
✓ Flexible payment options
✓ UK-based advisors
✓ FCA regulated
✓ 24/7 claims support
✓ Cover arranged same day

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Please note: This quote form is not for Motor Trade Insurance. For Motor Trade, click here.

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What is Private Car Fleet Insurance?

Why choose Fleet Brokers?

Do I need this cover?

Cover levels available

Who is it for?

Main features of a policy

Optional add-ons

Payment options

Frequently asked questions

Private car fleet insurance - company cars lined up

What is Private Car Fleet Insurance?

Private Car Fleet Insurance is a motor insurance policy designed for businesses that operate two or more private cars for company use. Rather than arranging a separate policy for each vehicle, a fleet policy brings them all under one contract, with one renewal date and one point of contact.

This type of cover is commonly used for company car schemes, where employees are provided with a car as part of their role or remuneration package. It can also suit businesses where staff regularly drive company-owned vehicles as part of their day-to-day responsibilities, such as visiting clients or travelling between sites.

A Private Car Fleet Insurance policy can help simplify administration and may offer a more efficient way to manage vehicle cover across your business. Rather than juggling multiple renewal dates and individual policies, everything is handled in one place.

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Why choose Fleet Brokers for your Private Car Fleet Insurance?

If your business relies on wheels, Fleet Brokers will help keep them turning smoothly.

At Fleet Brokers by Quote Me Today, we focus on making fleet insurance straightforward. There is no pressure and no unnecessary jargon, just clear guidance to help you find suitable cover for your business. Whether you have arranged fleet insurance before or are exploring it for the first time, we provide support throughout the process so you can make informed decisions.

We work with a dedicated 24/7 claims partner, iRevolution Claims, meaning incidents can be reported at any time with assistance provided in notifying your insurer.

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As an independent insurance broker, we are free from ties to any single provider. This means we can access a range of insurers and wholesale brokers to help find the most suitable cover for your business requirements.

Our UK-based advisors are here to answer your questions and assist with mid-term changes or renewals. You will always have someone to speak to who understands your policy.

Fleet Brokers is a trading name of Quote Me Today, which is authorised and regulated by the Financial Conduct Authority (FCA No. 786619). This means we operate to strict standards designed to ensure consumers are treated fairly at every stage.

In the last 20 years, Quote Me Today has built strong relationships with a wide range of insurers and wholesale brokers. This experience can make a real difference when it comes to sourcing suitable terms for your fleet.

We offer flexible ways to pay. You can choose to pay in full, split into two instalments, or spread the cost with monthly direct debits via our third-party premium finance provider.

Business type	Why Private Car Fleet Insurance is needed
Sales and field teams	Representatives and account managers driving company cars to client sites on a regular basis
Company car schemes	Businesses providing cars to employees as part of a salary or benefit-in-kind arrangement
Professional services	Consultants, surveyors, advisors and technicians using company cars to travel between engagements
Public sector and charities	Councils, NHS trusts, housing associations and not-for-profits operating fleets of cars for staff use
Construction and trades	Directors, managers and supervisors provided with company cars alongside commercial vehicles
Multi-site businesses	Organisations with operations across multiple locations where individual policies would create significant admin overhead

Do I need Private Car Fleet Insurance?

Private Car Fleet Insurance is suitable for any business or organisation that operates two or more private cars for commercial purposes. Whether you manage a small company car scheme with a handful of vehicles or a larger fleet used by a nationwide team, a fleet policy can help simplify your cover.

Rather than maintaining separate policies for each car, a single fleet policy means one renewal date, one insurer to deal with and a more straightforward approach to managing your vehicles overall.

The table alongside gives an overview of the types of businesses that commonly use this type of cover.

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Levels of cover available for Private Car Fleet Insurance

Private Car Fleet Insurance is typically available at three levels of cover. The right level will depend on your business requirements, the value of your vehicles and how they are used. Each level is described below.

Cover features and inclusions vary between insurers. It is important to review the full policy terms and conditions before taking out cover to make sure it meets your needs.

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Third Party Only

The legal minimum required to operate a vehicle on UK public roads. Covers damage or injury caused to other people, vehicles or property. Does not cover your own vehicles, drivers or personal injuries sustained by your drivers.

Third Party, Fire and Theft

Includes all Third Party Only benefits. Also covers your vehicles if they are stolen, subject to attempted theft, or damaged by fire. Does not cover accidental damage to your own vehicles.

Comprehensive

The highest level of cover available. Includes everything within Third Party, Fire and Theft, plus cover for accidental damage to your own vehicles regardless of fault. May also include windscreen cover, personal accident and legal expenses, depending on the insurer and policy terms.

Who is Private Car Fleet Insurance for?

Private Car Fleet Insurance is used by a wide range of businesses and organisations across the UK. If your business provides company cars to employees, operates a salary sacrifice scheme or employs staff who regularly drive company-owned vehicles, a fleet policy may be worth exploring.

Below is an overview of the types of businesses that commonly use this cover:

✓ Sales and field teams with company cars
✓ Businesses running company car or salary sacrifice schemes
✓ Professional services firms (consulting, surveying, advisory)
✓ Public sector organisations and charities
✓ Construction and trades businesses with director or management cars
✓ Multi-site businesses managing vehicles across several locations
✓ Any business operating two or more private cars for commercial purposes

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Quote Me Today is a UK based, proudly independent insurance broker.

When choosing a new insurance broker, you will naturally want to hear from other customers before making a decision. Head over to our Trustpilot page to see why so many businesses choose us for their fleet insurance, year after year.

What are the main features of a Private Car Fleet Insurance policy?

A Private Car Fleet Insurance policy provides an efficient way to manage cover for multiple vehicles under a single policy. With one renewal date, one set of documents and one point of contact for claims, it can help reduce administration and support smoother day-to-day operations.

Main features

Protection for company cars - cover may include accidents, theft, malicious damage and third-party liability for injury and property damage
Choice of cover levels - Third Party Only, Third Party Fire and Theft, or Comprehensive
Driver flexibility - any driver options may be available, providing cover for authorised employees at short notice
Scalable cover - vehicles can typically be added or removed during the policy term as your fleet changes
No Claims Discount - may be available depending on insurer terms and your fleet's claims history
24/7 claims support - managed by our trusted partner iRevolution Claims, offering round-the-clock incident reporting
Optional add-ons - including UK or UK/EU Breakdown Cover, Motor Legal Expenses and Windscreen Cover
Flexible payment options - pay in full, in two instalments or via monthly direct debit

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Optional add-ons and additional cover

There are a number of optional features and separate insurance products that can complement your Private Car Fleet Insurance policy. The availability of add-ons will depend on your insurer and the specific terms of your policy.

In addition to fleet insurance, our team can help you explore a wide range of commercial covers, allowing you to manage multiple insurance needs in one place.

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UK and UK/EU roadside assistance and recovery for vehicles in your fleet. Available as an optional add-on to your fleet policy or as a standalone product.

Can cover legal costs arising from motoring disputes, accidents or claims involving your fleet drivers. Subject to policy terms and conditions.

Protection against damage to windscreens and windows across your fleet. This may be included within your policy terms or available as a separate add-on, depending on your insurer.

Covers claims made by third parties for injury or property damage arising from your business activities, separate from your fleet motor cover. Our team can help you explore a suitable policy.

A legal requirement in the UK for most businesses that employ staff. Covers claims for injury or illness made by your employees. This is a separate policy to your fleet motor cover.

If your drivers regularly carry materials, samples or equipment in company cars, Goods in Transit Insurance can help protect those items while they are being transported. Subject to policy terms and conditions.

Flexible payment options

We understand that managing cash flow is important for businesses of all sizes. That is why we offer a number of ways to pay for your Private Car Fleet Insurance policy, so you can choose what works best for your business.

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Pay in full

Pay your full premium in one payment at the start of your policy. This is often the simplest option and avoids any additional finance charges.

Two instalments

Pay a 50% deposit at inception, with the remaining balance due 28 days after your policy begins. This gives you a little extra time to spread the cost.

Monthly direct debit

Spread the cost into monthly payments via our third-party premium finance provider. Ideal for businesses that prefer to budget on a monthly basis.

Frequently asked questions

Here are the questions we hear most often from businesses looking at Private Car Fleet Insurance. If you cannot find what you need, call our team on 01227 285 540.

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Most insurers require a minimum of two or three vehicles to qualify for a fleet policy, though this can vary between providers. Some offer mini-fleet policies starting from two vehicles, while others may require five or more. We will help identify the most suitable options based on the size of your company car scheme.

Yes. You can typically specify named drivers on a fleet policy. Some policies also offer any driver cover, allowing any authorised employee with a valid full UK driving licence to drive fleet vehicles, subject to the insurer's terms and any age or experience restrictions that apply.

It is usually possible to include younger or less experienced drivers, though this may affect the premium and could result in increased excess charges for those drivers if a claim arises. Insurers may require them to be named on the policy rather than covered under any driver terms. Additional documentation such as a copy of the driver's licence may also be requested.

Fleet policies are generally flexible. You can usually add or remove vehicles during the policy term by notifying your broker. A mid-term adjustment will be applied and any change in premium will be calculated on a pro-rata basis for the remaining policy period.

By law, all UK vehicle insurance provides the minimum third-party liability cover required to drive in EU countries. Whether comprehensive cover extends to driving abroad will depend on the specific terms of your policy. If your employees regularly drive company cars in Europe, it is important to confirm what level of cover applies and whether European breakdown assistance is included.

Common restrictions include minimum driver age limits, requirements for a full valid UK driving licence of the appropriate category, and limitations based on driving history such as recent convictions or penalty points. Insurers may also require disclosure of all drivers and could apply additional excesses or exclusions for higher-risk individuals. Your broker will help you understand any conditions that apply to your policy.

Fleet policies in the UK do not typically use a No Claims Bonus (NCB) in the same way as personal motor insurance. Instead, insurers assess your Confirmed Claims Experience (CCE), which is a record of your fleet's claims history over a set period, usually three to five years. A low claims frequency and a clean record can contribute to better premium terms at renewal.

The cost varies depending on a number of factors including the size of your fleet, the value of your vehicles, the profiles of your drivers, how the cars are used, your claims history and the level of cover you choose. The best way to get an accurate indication is to request a quote. We will search the market on your behalf to find suitable cover for your business.