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Motor Fleet Insurance

Motor fleet insurance is available for companies who run two vehicles or more which can be a mix of cars, vans or lorries. It enables you to cover all the company vehicles under one motor fleet policy with one renewal date.

The flexibility to change vehicles, add drivers and insure temporary vehicles along with the often beneficial premium savings are the main reason people choose motor fleet insurance.

Insurers will usually allow Company Director owned and registered vehicles to be added to the Company’s Motor Fleet Insurance policy provided this has been disclosed to the insurer.

What covers are provided

The majority of motor fleet policies offer cover on a Comprehensive basis which would include damage to your own vehicle, fire, theft, glass and third party claims made against you. Cover is normally for vehicles used in the UK but can be extended overseas as required.

When your own vehicle is being repaired by an insurer’s network of approved repairers, you will be provided with a courtesy car and repairs will be guaranteed.

Who is able to drive

This is entirely up to you. The majority of fleet policies are based on any driver 25 years of age and above although you can include younger drivers if you prefer. Please note young and/or inexperienced drivers will often be charged a higher premium and an increased policy excess.

Free motor legal expenses insurance

Mitchell Charlesworth Insurance Solutions arrange at our own cost a Motor Legal Expenses Policy (also known as Uninsured Loss Recovery Insurance) for all our Motor Fleet insurance clients. This policy is designed to recover uninsured losses such as your policy excess, personal injury compensation, additional vehicle hire, loss of earnings and travelling expenses from a negligent other driver where possible.


Mitchell Charlesworth will lodge any motoring incidents you report with your insurer, advise you what the insurer needs from you to validate cover and we operate a robust claims management system to keep on top of insurers to ensure you can get your vehicle back on the road as quickly as possible.

Our fleet insurers

We deal with many quality fleet insurers and also have access to fleet insurers in the Lloyds of London market.

For further information, please contact a member of our Insurance Team to the right of this page.

Mitchell Charlesworth Insurance Solutions Ltd is registered in England and Wales no. 7002662 and is authorised and regulated by the Financial Conduct Authority.