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Why choose Smile Compare for Fleet insurance?

Fleet Insurance Made Simple

If your business relies on multiple vehicles, having the right motor fleet insurance is essential. Whether it’s a small fleet, company cars, or personal vehicles, unexpected issues can disrupt operations and cost you time and money.

Smile Compare connects you directly with specialist brokers who understand your needs—saving you the hassle of searching and helping you secure the right cover, fast.

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Benefits Of Fleet Insurance For Businesses

One of the key benefits of business fleet insurance is the flexibility to customise your policy to suit both your operational needs and budget. Additional advantages include

Cost savings

You could reduce your overall costs compared to taking out separate vehicle policies. For instance, instead of insuring each company car individually, you could save money by combining them under a single company car fleet insurance policy.

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Easier policy management

Avoid the hassle of juggling multiple policies and renewal dates throughout the year. With one easy renewal date, managing your cover and finding the best deal becomes far simpler.

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Extensive coverage options

You can customise your policy to match your business’s exact needs, ensuring you only pay for the cover that matters. Insurers can include a mix of vehicles and add options such as legal protection and vehicle recovery for extra peace of mind.

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Driver flexibility

Fleet insurance can include “any driver” cover, allowing multiple qualified drivers to use multiple vehicles under one policy. This adds flexibility to your operations and helps prevent situations where employees might risk driving without proper insurance.

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Simplified claims process

Every insurer handles claims differently, and some are more efficient than others. By having a single insurance provider, you’ll know exactly what’s covered and who to contact if something goes wrong.

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Insure multiple drivers

If your business employs multiple drivers, you can cover them all under a single policy. This eliminates the need to insure each driver separately or update your policy every time you bring someone new on board.

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Who Can Drive Vehicles Under A Fleet Insurance Policy?

You will have a few options for what drivers you want to insure on your fleet policy.
Consider this carefully as the drivers you include will impact your premium.

Named drivers vs any driver policies

To insure multiple drivers, you can name specific individuals-such as your: sales manager, delivery driver, or operations lead on the policy. Alternatively, an ‘any driver’ policy allows any qualified, licensed driver to use the vehicle with your company’s permission.

Age restrictions and experience requirements

Fleet insurers often set age limits for drivers, typically excluding anyone under 21. However, this can vary by provider, so it’s important to check if you’re insuring younger drivers.

Adding drivers to the policy

Some fleet insurers offer flexibility during your policy term, allowing you to add drivers or upgrade to ‘any driver’ cover. They recognise that business needs and staffing can change, and many accommodate this.