Firm automobile insurance coverage guidelines – Small Enterprise UK

Generally, it’s as much as you, as owner-director of your small enterprise, to rearrange insurance coverage in your firm automobile. Usually, if the corporate owns the car, the corporate will organize firm automobile insurance coverage below a fleet insurance coverage coverage. This insurance coverage will cowl your workers for each enterprise and personal mileage.

Firm fleet automobile insurance coverage

Fleet insurance coverage is designed for companies who’ve two or extra autos. So, quite than paying a number of premiums for a number of autos that each one have distinctive renewal dates, fleet insurance coverage makes issues easy. You possibly can renew the insurance coverage for all of your autos on the identical time and pay a single premium, lowering the quantity of admin.

Fleet insurance coverage extends to all lessons of auto owned and operated by your organization for its enterprise operations. This consists of any company-issued vehicles your workers use for business trips, in addition to taxis, bikes, minibuses, HGVs, vehicles and even plant used on development websites.

Just like non-public automobile insurance coverage, fleet insurance coverage is usually out there in three completely different ranges of canopy:

Third occasion covers your small business if different folks declare towards you for damage or for injury to their car or property

Third occasion, hearth and theft covers your small business if one in every of your fleet autos is broken by hearth or stolen, in addition to if different folks declare towards you for damage or for injury to their car or property

Complete covers your small business is a car in your fleet is stolen, by accident broken or broken by hearth, in addition to injury to different folks’s property or bodily damage

Most insurers may even provide car breakdown cowl as an add-on.

Typical questions fleet insurers ask embody:

  • What number of autos does your organization personal?
  • What varieties of autos do you need to insure?
  • How previous are the autos?
  • How usually are the autos used?
  • Situation of autos?
  • The place are the autos stored in a single day?
  • Are any of them fitted with further antitheft units?

Named driver or any driver coverage?

Named driver insurance policies are extra inexpensive and appropriate for smaller companies, whereas any driver insurance policies are higher suited to bigger companies the place vehicles are interchangeable – however that flexibility comes with increased insurance coverage prices.

Firm automobile insurance coverage guidelines UK

Nonetheless, if an worker makes use of their very own car, they should guarantee they’ve enterprise automobile insurance coverage and never simply “social” or “social and commuting”.

Enterprise use insurance coverage covers:

  • Visiting clients
  • Driving between places of work and places
  • Journey to conferences
  • Working errands
  • Ferrying purchasers
  • Driving colleagues

How to save cash on firm automobile insurance coverage

There are a number of methods you may cut back your organization automobile insurance coverage premium:

  • Select a automobile in a decrease insurance coverage group with low emissions
  • Park the automobile in a single day offroad in a locked storage
  • Set up safety features similar to alarms, immobilisers and monitoring methods

Gray fleet autos

If an worker makes use of their very own automobile for your small business, for which obtain a set mileage allowance, these are referred to as gray fleet autos. It’s the worker’s accountability to insure the car, however the firm has a accountability of care to make sure that appropriate firm automobile insurance coverage is in place.

Below the Well being and Security at Work Act 1974, managers of gray fleet autos have a accountability to verify that each one autos are correctly serviced, maintained and insured for enterprise use. They need to preserve data of all gray fleet autos for no less than 12 months.

Professional tip: Gray fleet vehicles will be a cost-effective resolution for each workers and firms since neither are topic to benefit-in-kind expenses towards both the automobile or the gas.

Enterprise insurance coverage vs business insurance coverage

For those who carry passengers or items, business insurance coverage could also be a greater match than any of the three lessons of enterprise insurance coverage above.

Firm automobile insurance coverage guidelines if worker has felony file

Felony convictions improve how a lot your organization automobile insurance coverage prices and even when it is possible for you to to get firm automobile insurance coverage in any respect. Clearly, insurers will balk at felony convictions for automobile theft or drink driving. Nonetheless, there are specialist automobile insurance coverage insurance policies for these with felony data.

MoneySuperMarket information suggests there will be almost a thousand kilos distinction between the price of insuring anyone with a felony file and somebody who doesn’t have one.

Firm automobile insurance coverage guidelines for brand spanking new drivers

Once more, insurance coverage firms understandably cost new drivers increased premiums primarily based on their lack of expertise.

Strictly talking, there aren’t any age restrictions on fleet insurance coverage, however most insurers function on an Any Driver Over 21 or Any Driver Over 25 foundation – however this doesn’t imply youthful drivers can’t entry fleet firm automobile insurance coverage. You possibly can at all times guarantee youthful drivers can drive fleet autos by including them individually.

Greatest fleet insurance coverage manufacturers


Admiral Fleet Insurance coverage is aimed toward small companies operating no less than three vehicles or vans. You would not have to call particular person drivers on the fleet insurance coverage coverage because it covers any driver aged over 25.

There are two varieties of Admiral Fleet Insurance coverage coverage, relying on what you carry:

  • Personal items (e.g., plumbers, builders, carpenters)
  • Carriage of products for rent and reward (couriers, furnishings removers)

Admiral Fleet Insurance coverage consists of the next in commonplace cowl:

  • Windscreen restore
  • Courtesy cowl
  • European cowl
  • Stereo cowl
  • £5,000 private damage cowl
  • SatNav and private belongings cowl

You can even improve fleet insurance coverage cowl:

  • Private damage cowl as much as £100,000
  • Authorized price cowl
  • Breakdown
  • Van contents cowl



Fleet insurance coverage for small companies with something between one and 15 autos utilized by a enterprise.

Single autos insured below Aviva’s Minifleet coverage will likely be provided a no declare discount-rated citation, a two-vehicle police can select with NCD or fleet score and any coverage overlaying greater than three autos will likely be provided a fleet-rated citation.

  • Repairs assured for 3 years
  • Courtesy automobile
  • Authorized providers and recommendation included. Optionally available breakdown cowl


Designed for companies with greater than 13 autos. You possibly can select between several types of cowl: third occasion solely, third occasion hearth and theft, and complete.

  • Repairs assured for 3 years
  • Courtesy automobile
  • Authorized providers and recommendation included. Optionally available breakdown cowl

NFU Mutual

NFU Mutual’s Fleet Insurance coverage product supplies extensive ranging cowl for companies with 5 or extra autos (vehicles or business autos). It covers theft of or injury to the autos in addition to your authorized liabilities for private damage to different folks and for unintentional property injury (as much as £20 million for injury brought on by vehicles and £5 million for injury brought on by all different autos).

Vincent Wright, business motor and legal responsibility supervisor at NFU Mutual, informed Small Enterprise: “It’s not simply prudent however essential for companies to make sure they’ve top quality business car insurance coverage, ideally one which covers each attainable declare – from theft and injury, to wonderful authorized, accident and rescue cowl too.

“A stolen or broken van, truck or automobile can imply not simply days however weeks of delays and monetary loss for companies. Our business car insurance coverage at NFU Mutual has a superb repute, largely due to the immediate response we provide and advantages similar to New Automobile Alternative [NVR], highway rescue, trailer and instruments cowl, in addition to private accident cowl.”

NFU Mutual’s cowl additionally consists of:

  • New Automobile Alternative, which implies if you are going to buy a UK mannequin from new that car will likely be changed as new if stolen or written off within the first two years for vehicles and one yr for lights items autos 
  • Authorized bills cowl as much as £100,000 – to assist clients get well uninsured losses for claims the place they (or their driver) weren’t at fault
  • If clients use one in every of NFU’s authorised repairers, the advantages embody a three-year assure on repairs and a mortgage automobile whereas your car is being repaired (this will likely be a small automobile, not a direct alternative)
  • Highway rescue after an accident – restoration of vehicles and light-weight items autos following an accident, together with transportation to a repairer, dwelling tackle or vacation spot
  • Breakdown cowl for vehicles solely – In case your car breaks down greater than 1/4 mile from the place it’s often stored, you may have roadside help, which incorporates labour prices as much as one hour to restore the car on the roadside and if a roadside restore isn’t attainable, we are going to transport the car to an appropriate storage inside 20 miles

Cowl is chosen by the shopper and will be complete, third-party hearth and theft, or third occasion solely. These will all meet the minimal authorized necessities within the UK and the European Union.

  • You possibly can prolong your breakdown cowl to incorporate different car sorts, help at dwelling/place of work, car restoration to wherever within the UK, and onward journey for passengers (availability is decided by sort of and variety of autos on the coverage)
  • Instruments cowl – Loss or injury to instruments whereas they’re within the car, as much as £500
  • Trailer cowl – clients can cowl trailers in the identical method as different autos, together with whereas they’re indifferent
  • Private accident cowl – this covers you for damage following a car accident: loss of life, as much as £15,000; lack of limbs or eyesight, as much as £5,000
  • Private results will cowl loss or injury to private results whereas they’re within the car, as much as £250.


Award-winning insurer QBE has been offering motor fleet cowl since 1927. Nonetheless, it’s only out there via brokers. It covers a few of Britain’s best-known firms with 1000’s of vehicles on the highway. Ideally clients have been buying and selling for over two years and drivers are aged over 25.

Mini fleet

QBE Mini Fleet covers vehicles, vans, vehicles (as much as 7.5 tonne GVW), minibuses, agricultural, particular sorts, or a mixture of enterprise autos on one coverage.

It usually quotes for between 3 to 10 autos (with the potential of as much as 15), throughout a variety of sectors, together with clerical, manufacturing, development and tradespeople.

  • Nationwide restore centres
  • Cellular restore service
  • Courtesy autos
  • All repairs assured for 3 years


QBE says that compliance is without doubt one of the greatest challenges going through any enterprise, particularly within the small-to-medium sector.

Specifically it helps companies:

  • Keep updated with newest rules
  • Provides templates for driver handbooks and insurance policies, collision investigation protocols and scene-of-accident report varieties
  • Advises on digital driving-licence checks

QBE additionally has a powerful social conscience, providing clients the selection to have as much as 25 per cent of their premium diverted to “impression” investments, which ship a optimistic environmental or social impression.


Swinton provides fleet insurance coverage ranging from simply two autos registered to your organization. Automobiles lined embody vehicles, vans, HGVs and vehicles, and vans. It provides two ranges of fleet automobile insurance coverage, complete and third-party, hearth & theft.

Relying on the dimensions of canopy you go for, insurance policies can embody:

  • Loss or injury to your autos
  • Automobile restoration within the occasion of an accident or breakdown
  • Authorized charges
  • Injury to the home windows or windscreens
  • Alternative locks ought to your keys be stolen
  • Assist in direction of medical bills
  • Driving overseas, often with a most restrict of days allowed per yr
  • Cowl for any private belongings misplaced or broken in an insured car
  • Trailers connected to a car insured below the coverage
  • Courtesy automobile

Towergate Insurance coverage

One factor that units Towergate Insurance coverage aside is that it provides fleet clients a devoted fleet danger supervisor. This dealer provides two varieties of fleet insurance coverage: Minifleet, which covers as much as 12 autos, and Fleet, aimed toward companies with no less than 5 autos.

Greatest enterprise automobile insurance coverage manufacturers


Clients with an AXA private automobile insurance coverage coverage can prolong it to cowl utilizing their private automobile for enterprise functions. To make sure cowl is in place for this, clients should specify they use their car for greater than social and commuting once they buy their coverage by deciding on enterprise use from the choices.

Nonetheless, AXA’s enterprise automobile insurance coverage insurance policies exclude cowl for any items or supplies carried in reference to a enterprise. Private vehicles getting used for making deliveries (together with rent and reward) are additionally excluded from cowl.

  • Courtesy automobile
  • Breakdown help

Hastings Direct

Hastings Direct recommend you are taking out its complete private automobile insurance coverage after which improve to its business car insurance package. There are a selection of complete private automobile insurance coverage packages beginning with Hastings Important, going as much as its Premium coverage, which options as commonplace windscreen cowl and window injury, private belongings safety as much as £300 and a courtesy automobile.

Extra on firm vehicles

Can you may have an organization automobile for those who’re self-employed? – Mike Parkes of GoSimpleTax explains the must-know information about proudly owning an organization automobile whenever you’re self-employed

Shopping for a automobile via your small business – If I purchased my automobile for £7,000 + VAT and use it 50/50 for enterprise and private use. How a lot can I declare again? I’m so confused.

A information to automobile leasing for small companies – On this piece, we have a look at how leasing your small business autos may help lower your expenses.

How one can handle firm automobile tax as a small enterprise proprietor – In case your employer offers you an organization automobile on prime of your wage, you continue to must pay tax on it. We have a look at the methods you may cut back your organization automobile tax invoice