Motor fleet Insurance

The transportation of people, goods and equipment can be a significant cost for any business, but the cost and complexity of insuring multiple vehicles doesn’t need to slow you down. Motor fleet insurance is specifically designed for commercial use, providing robust protection for vehicles used in the day-to-day running of your business together with social, domestic and pleasure purposes and commuting.

Specialist guidance

Our experienced team will work with you to identify the most suitable motor fleet insurance solution for your business.

If you operate multiple cars, vans or lorries, a single fleet policy can sometimes offer a smarter, more cost-effective solution than individual policies. By bringing all vehicles under one policy, you can simplify administration, improve risk management and could achieve real cost savings whilst keeping your business safely on the road.

We have extensive experience arranging insurance solutions for fleets of all sizes, types, and have developed strong relationships with leading composite insurers, Lloyd’s syndicates, and MGAs.

We can insure cars and commercial vehicles under a single fleet policy, providing cover for a wide range of vehicle types, including cars (including company owned/leased, sports, prestigious, director-owned, and classic), vans, lorries, haulage fleets including the transportation of hazardous goods, trailers, minibuses, buses, coaches, motorcycles/quad bikes, special types (e.g. forklifts) and mobile construction plant.

Managing a fleet can be complex, particularly when it comes to insurance. That’s why we take the time to understand your business and tailor the right level of protection, helping to keep your vehicles and your business on the road.

Motor fleet insurance cover

Dependent on the insurer, we can arrange cover to include:

Unauthorised movement of vehicle extension

Free foreign use extension

Replacement of keys following loss or theft

New replacement vehicle if less than 12 months old and repair costs exceed 50 percent or stolen and not recovered

Free courtesy vehicles (cars and vans) when Insurers’ recommended repairers are used

Free collection and delivery service

Uninsured loss recovery

Motor fleet claims

Capturing and mitigating third-party costs is critical in minimising overall claims costs and reducing claims leakage. That's why we've joined forces with selected key partner insurers to offer innovative and efficient solutions to improve the First Notification Of Loss (FNOL) process for motor fleet claims.

Alongside the Clear Claims team's help and guidance, if you insure with one of our key partners, we can offer the following benefits:

24/7 Roadside Reporting
Removal of Claims Forms
Speed of Service and Settlement
Control of Claims Costs

You'll be supplied with direct reporting facilities with access straight into your insurers' 24/7 First Notification team, which can offer service and support when you need it the most - at the roadside, immediately following an accident.

Road Angel partnership

Clear are proud to announce their partnership with Road Angel, offering Clear clients discounted rates on Road Angel dash cams when purchased through our dedicated site.

Established in the UK in 2001, Road Angel have been delivering award winning, market-leading innovation for over 20 years. This approach to excellence is evidenced in the partnerships secured with global automotive brands including Bentley Motor Cars, Fiat Group, and many others.

The benefits of Road Angel dash cams

· 24/7 protection, featuring Parking Mode, reducing the risk of theft and vandalism

· In the event of an incident the camera records and saves the footage for download to an app, including time, date, and location

· Options to record general driving styles, including speed, braking, and cornering

· Market leading 3-year warranty.

For more information check out our site.

Clear's Road Angel page

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Frequently Asked Questions

What is motor fleet insurance?

Motor fleet insurance is a single policy that covers multiple vehicles under one insurance plan. It’s designed for businesses that operate two or more vehicles, providing easier management, consistent cover, and potential cost savings compared to individual vehicle policies. It covers you for vehicle replacement, breakdown cover, replacement locks, theft and more.

Who needs motor fleet insurance?

Any business that owns, leases, or operates multiple vehicles could benefit from fleet insurance. This includes delivery companies, taxi firms, construction businesses, tradespeople, and any organisation with sales or service vehicles.

How many vehicles do I need to qualify for fleet insurance?

Typically, you can start a motor fleet policy with two or more vehicles, but we will be able to advise on if you meet the criteria for a motor fleet insurance cover. The vehicles can be cars, vans, lorries, or a mix of all types.

What types of vehicles can be covered under one fleet policy?

You can include most types of road-registered vehicles, such as:

Cars and company vehicles
Vans and pickups
Trucks and HGVs
Trailers
Taxis and minibuses
Buses and coaches
Special-use vehicles (e.g plant or agricultural machinery)

How can businesses reduce motor fleet premiums and manage claims more effectively?

Businesses need a proactive fleet insurance strategy to potentially secure premium savings. Insurers calculate premiums based on claims history, driver profiles, and how effectively managed your fleet operation is.

Driver training programs that embed defensive driving techniques, combined with regular fleet safety audits that review incident reports, help prevent frequent and costly claims and demonstrate to underwriters that your business vehicles are well controlled. Sharing an analytical claims report backed by driver performance data at renewal strengthens your position further.

What is the motor insurance database and how does it affect your motor fleet cover?

The motor insurance database is a central UK register that records all insured vehicles. Every vehicle under your motor fleet cover should be correctly listed, and keeping it accurate is a core part of effective fleet management, particularly when new vehicle replacement takes place.
For any fleet operation that changes regularly, working with an experienced broker can help ensure your policy schedule stays current, supporting both compliance and motor fleet premiums at renewal.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

Chartered status

In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.

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