Mini Fleet Insurance

Immediate, flexible, and trusted mini fleet insurance. Our ‘buy-right’ experts will ensure that you have the right level of cover, so you can concentrate on running your business – while we help to protect it.

About Mini Fleet Insurance

Van

Instant mini fleet insurance

Immediate cover available for a mini fleet of up to 12 commercial vehicles*

Document

Buy-right, simple policies

All vehicles (if declared and accepted in advance) covered on one straightforward and accessible mini fleet insurance policy.

Shield

Risk management

Discounts available to those investing in risk management tools for their mini fleets.

Sun

Flexible mini fleet insurance

From new ventures to large businesses, we’ll find the right cover for you.

Features of Mini Fleet Insurance

Standard cover

Flexible and straightforward mini fleet insurance

We have a diverse range of high-quality covers available to fit your business. Because the insurers we work with trust our expertise, not only can we arrange for immediate cover, but we can offer a tailored and highly flexible product. If you have an assorted mix of up to 12 commercial vehicles, then a mini fleet insurance policy could be exactly what you need to keep your wheels turning.

Multi-vehicle insurance on a single policy document

Keeping track of a growing fleet of commercial vehicles can be time-consuming. Our mini fleet insurance removes the complexity by having all your commercial vehicles on a single policy document with a single renewal date. As your vehicle count changes, you just add or delete vehicles from the policy. This simplicity allows you to focus on running your business, while we’re right beside you helping to protect it.

Mini fleet insurance that grows with your business

<strong>Our</strong> flexible, accommodating, and straightforward mini fleet insurance provides a solution combining quality covers with competitive premiums. Talk to us today about reducing the likelihood of accidents and impact of claims with our risk management led approach. Furthermore, your policy can evolve with your business until a traditional fleet insurance policy [link to https://www.towergateinsurance.co.uk/fleet-insurance] becomes more appropriate.

Wide-ranging cover for your mixed vehicle fleet

Not just mini fleet insurance specialists! As experts in commercial insurance, we offer a wide range of motor and non-motor insurance policies through a panel of some of the UK’s leading, trusted insurers. These include motor vehicle, goods in transit (GIT), public and employers’ liability, income protection, commercial property, legal cover, uninsured loss recovery (ULR), commercial legal expenses, engineering, cyber and many other covers, depending on the specific needs of your business.

Mini Fleet Insurance FAQs

Question

How many vehicles can I insure under a mini fleet insurance policy?

Answer

You can start with one vehicle, when first taking out the policy, and increase this throughout the policy term up to 12. At the next policy renewal, we will work with you to see if it is more beneficial to change to a conventional fleet or NCD-rated policy.

Question

What types of vehicles can be covered under my mini fleet insurance policy?

Answer

Although cars and vans are the most typical, the policy caters for a wide range of vehicles used for commercial purposes. This can extend to LGVs, HGVs, and others, including hearses. We can also include vehicles used for personal use.

Question

What if my commercial vehicles are all insured individually?

Answer

All incidents, however large or small, should be reported directly to your insurer using the telephone number provided when you take out your mini fleet insurance policy. Our in-house claims support team are on hand Monday to Friday from 8.45am until 5.15pm on 01952 298820, with emergency support available outside of these hours, should you need additional support or if you have concerns about the claims process.

You can rest assured that you’ll have immediate access to the people you need when you need them. Our day or night expert teams will get your wheels turning and your claim settled as fast as possible.

Question

What about my other insurances?

Answer

As well as your commercial motor insurance, we are able to provide an extensive range of other commercial and personal insurance covers depending on your needs. Be sure to ask us about your wider insurance needs as part of the quotation process, or when the need arises.

Question

How do I keep my insurance costs down?

Answer

The biggest influence on your insurance costs is your claims history. By taking actions that will reduce the likelihood of accidents, and hence claims, you will build a more attractive profile to insurers. As your no-claims history develops, this will help to positively impact your insurance premiums. This will ultimately free up capital that can be reinvested elsewhere in your business.

Question

Can I pay for my mini fleet insurance in instalments?

Answer

We like to make things as affordable as we can so, if you fulfil the necessary qualifying criteria, we can arrange for you to pay by monthly instalments (subject to acceptance).

Let us know that this is your preferred payment option, as we gather the information for your quotation. Remember, this too will free up money that can be spent on your business.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 03448 921 434 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim