Commercial Vehicle & Fleet Insurance
Insurance That Keeps Every Business Vehicle Protected
Commercial vehicle and fleet insurance helps protect your vans, cars or mixed-use vehicles under one policy.
Many SMEs rely on transport to keep day-to-day work moving and a single fleet policy can reduce costs, cut down paperwork and ensure every vehicle meets legal insurance requirements.
This fleet cover is suitable for trades, delivery firms, property services, wholesalers, retailers and any business that uses multiple vehicles for staff, site visits or customer work. Instead of managing several policies with different renewal dates, a fleet policy keeps everything in one place and supports you if a vehicle is damaged, stolen or involved in an accident.
And for added confidence, your cover is placed with FCA-regulated insurers, making sure that your vehicles meet required insurance standards.
Why Choose This Cover?
When a vehicle is off the road, appointments are missed, deliveries fall behind and schedules need reshuffling, leading to loss of income. Fleet insurance reduces impact by keeping all vehicles insured consistently and avoiding gaps in protection. Another benefit is that it simplifies admin by replacing individual policies with one renewal date and one set of documents. Many businesses also see cost benefits when insuring several vehicles together rather than separately.
Choosing a Limit
You can choose from third-party, third-party fire and theft or comprehensive fleet cover. Most businesses choose comprehensive protection because it helps with repairs or replacement after theft, collisions or accidental damage. The number of vehicles that qualify as a fleet varies by insurer. Some begin with two vehicles but others require more. Our insurance advisors will work out the best approach once we understand your business operations and how the vehicles are used.
What’s Included in Our Fleet Cover?
Cover for multiple vehicles under one policy
Vans, cars and other commercial vehicles registered to your business, partners or directors.
Protection for accidents, theft and damage
Helps with repairs or replacement so vehicles return to service quickly.
Cover for common business uses
Driving related to trades, deliveries, property services and general business travel.
One renewal date
A straightforward management approach that avoids missed deadlines or lapses in cover.
Normal upkeep and ageing
Routine wear, gradual deterioration or mechanical faults that come from everyday use aren’t treated as insurable losses.
Drivers not authorised on the policy
If someone uses a vehicle that hasn’t been noted or approved, the policy won’t apply.
Using vehicles for purposes not agreed in advance
Cover only applies to the activities set out in your policy. Work such as private hire or taxi use needs specific approval before it’s included.
Damage caused on purpose or through unsafe behaviour
Losses that stem from intentional actions or knowingly risky use fall outside the scope of the cover.
Why Icon Risk
✓ Advice that reflects how your vehicles are used day to day
✓ Quick access to brokers who understand fleet and commercial motor risks
✓ Clear explanations of your cover without complex wording
✓ Policies arranged through FCA-authorised insurers for added reassurance
✓ Options suitable for mixed fleets, trades, delivery work and service vehicles
✓ Support when you need to add, remove or replace vehicles
✓ Consistent communication so you always know what’s happening
✓ A practical policy that keeps your fleet compliant and ready to work
FAQ’s
What counts as a fleet?
Insurers define this differently. Many start at two or three vehicles. Others require more.
Do all vehicles need to be the same type?
No. A mix of vans, cars and commercial vehicles can usually sit under one policy.
Can I add vehicles to fleet insurance during the year?
Yes. Vehicles can be added or removed as your business changes.
Does the policy meet legal requirements?
Yes. We only place cover with FCA-regulated insurers who meet UK motor insurance standards.
Is comprehensive cover necessary?
It isn’t compulsory, but businesses that rely heavily on vehicles often choose it to protect their repair costs.
Are tools and equipment inside the vehicle insured as well?
Tools aren’t automatically covered under a fleet policy. You’ll need separate tools and equipment insurance, or a combined policy that includes them.