How Many Fleet Vehicles Do You Need for Fleet Insurance?

You will only need 2 to 5 vehicles as a minimum to apply for fleet insurance. This makes it easy for businesses with fleets of any size to benefit from the convenience and cost-effectiveness of fleet insurance policies. 

You need to check with your chosen service provider for details, but fleet insurance can cover hundreds of vehicles under certain policies. Different companies will set different minimum and maximum vehicle requirements, so do your research to ensure you get the right policy for your needs. 

Whether your business has two vehicles or hundreds, this article will help you make sense of fleet insurance, the levels available, and what they cover. We’ll also explore whether windscreen damage is covered by insurance policies and how to address this issue if it arises.

What is fleet insurance?

Fleet insurance is a policy that covers two or more of your business vehicles under one insurance policy agreement. 

With all vehicles under the same agreement, the renewal dates and the level of cover are the same across the board for your convenience. This streamlines one aspect of your business and saves you money compared to taking out individual cover for each vehicle. You can often insure all drivers under one policy, too, with the ‘any driver’ option. 

What does fleet insurance cover?

You need to check with your insurance company and policy to find out what your agreement covers. Generally, fleet insurance will cover you for the following scenarios: 

• Accidents 
• Theft
• Liability cover 
• Goods in transit 
• Equipment in transit

Some of these incidents will only be covered if you arrange the appropriate add-ons to the policy, so work with your insurance company to get a tailor-made agreement that works for your business. 

Please note that many policies won’t cover degradation over time, mechanical issues or the cost of uninsured items inside the vehicle. 

What cover levels are available as part of fleet insurance? 

There are three levels of fleet insurance you can choose between. They are: 

• Third Party Only: The law dictates that all vehicles require this minimal cover to drive on UK roads. It covers damage to other vehicles and injury to other people. 

• Third Party, Fire and Theft: This second level of insurance covers what is included in the previous level, while also covering your vehicle against theft or fire incidents. 

• Comprehensive: This final level of cover is the most all-encompassing option, and includes everything in the previous two levels, with the addition of protection for your vehicle and drivers. 

Consider your business needs and operation requirements to determine the most suitable coverage you will need. 

What types of vehicles can be covered by fleet insurance?

Certain insurance policies are able to cover different types of fleet vehicles. This can range from vans, cars, taxis and motorbikes to HGVs, forklift trucks and many more, depending on the policy type. 

Can windscreen damage be claimed on fleet insurance?

Consult with your insurance provider to see if windscreen damage can be claimed under your fleet policy. You can expect windscreen damage to be included in comprehensive plans, but you will need to confirm with your insurance company. 

Due to high usage of fleet vehicles, the likelihood of windscreen damage is higher compared to domestic vehicles. That’s why it’s important to have a windscreen repair expert on standby to keep downtime to a minimum. 

Here at The Windscreen Company, we provide responsive 24-hour windscreen repair and replacement to fleets across the South East, keeping your business up and running. With a specialist department dedicated to truck and fleet vehicles, you can trust in our team to quickly repair windscreens for all types of vehicles. 

Any time, any vehicle, any glass. The professionals at The Windscreen Company are waiting to help your fleet get back on the road with our dependable windscreen repair and replacement services. With an around-the-clock mobile service available, get in touch today. 

The Windscreen Company

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The Windscreen Company, has over 20 years of experience in windscreen repair and replacement. Since 1998, they have been at the forefront of industry innovation, leveraging the latest technology to ensure customer safety and satisfaction.

The Windscreen Company's, help-and-advice pages offer valuable tips and guidance on maintaining vehicle safety through quality windscreen care, while also featuring updated industry realted content.

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