Individual motor policies (car, van & motorcycles) are mostly arranged using IT systems with the best rates offered for named and approved drivers only – often the policyholder and their partner which usually offer the most competitive rates.
However for businesses you often need more than one person to drive. Flexibility is the main benefit of a Motor Fleet policy – we can arrange policies with permitted drivers as ‘Any Licenced Driver’, however, discounts are available if an age restriction can be imposed such as ‘Over 21s, 25s, 28s or even over 30’s’.
The premiums for Individual motor policies take into account the No Claims Discount earned for each individual vehicle. Once you have reached the maximum the premiums are usually low but one small claim can easily see you ‘drop down the ladder’ often causing a significant premium increase. Motor Fleets are different – they have an overall Fleet Discount which takes into account the past yearly experience and performance – looking at the frequency and cost of claims. The better performing your fleet the lower your future premiums are!
To qualify for a Motor Fleet most insurers generally require 5 vehicles or more but we have facilities with Insurers who will accept 2 vehicles.
We can arrange Motor Fleets for all business sectors, including more complex aspects: –
Motor Fleet Insurance is a single policy that covers multiple business vehicles under one contract – from cars and vans to HGVs and specialist vehicles. Instead of insuring each vehicle individually, your fleet is protected on one schedule with one renewal date, making administration far easier. A broker like Munro-Greenhalgh can tailor the cover to your fleet size, driving profile and risk exposure.
Most insurers will consider three or more vehicles as a fleet, although some have minimums of five depending on the class of use. If your business operates several vehicles—whether owned, leased or hired—a fleet policy can usually offer better flexibility and premium savings than insuring them separately.
A fleet policy can cover almost any road-registered business vehicle, including:
Cars and company vehicles
Vans and light commercial vehicles
HGVs and trucks
Pick-ups
Special-type vehicles (e.g., tippers, plant in transit)
Courtesy or delivery vehicles
Mixed-use fleets
A broker will help ensure all vehicle types and uses are correctly declared and rated.
Insurers assess several risk factors, including:
The types of vehicles and usage
Driver age and experience
Claims history and accident frequency
Vehicle security, telematics and risk-management practices
Annual mileage
By working with a specialist fleet broker, you can present your risk accurately and access wider insurer options to help achieve the most competitive premium.
Fleet policies can be arranged on an Any Authorised Driver, Named Driver, or Restricted Driver basis. “Any driver” offers maximum flexibility but may cost more. If your business employs younger or less experienced drivers, insurers may apply age limits or exclusions. A broker can advise on the most suitable and cost-effective driver basis for your business.
As independent Insurance Brokers we work with the our normal Insurer partners and specialist insurers to recommend policies that are specially designed for you and a competitive price.
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Most businesses understand the dangers of underinsurance and the application of Average. But providing insurers with inaccurate information could have even more serious consequences. Under the Insurance Act 2015, a breach of the Duty of Fair Presentation can result in claims being reduced, different policy terms being applied or, in the most serious cases, the policy being avoided altogether. And proportionate reductions aren’t necessarily limited to property claims — they could potentially have a significant impact on a multimillion-pound liability claim.
Munro Greenhalgh is proud to sponsor the Ramsbottom Raiders Under 8s home kit in 2026, supporting young players and grassroots football in our local community.
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