<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WCK3FXN" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Fleet Insurance FAQs | Trade Direct Insurance
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Fleet insurance FAQs

Questions and answers that relate to fleet insurance, including what it is designed to cover, levels of cover that are available, where insurance applies to and information about No Claim Discounts. This information is provided as a guide only, and if you have any doubts or questions, you can give our expert team a ring on 0800 0280 380.

  • What is fleet insurance?

    Whether you’re a builder, plumber or electrician looking for business fleet insurance and have several vehicles in your business, you can have them covered under a single commercial fleet insurance policy that has a single renewal date.

    Read more about fleet insurance

  • Is fleet insurance required by law?

    All fleets are legally required to have a minimum of Third-Party insurance cover.

    Read more about fleet insurance and the law

  • How many vehicles count as a fleet?

    The minimum can be as low as a couple of vehicles and the maximum could go up to 15 vehicles for a small business fleet.

    Read more about the number of vehicles required for a fleet insurance policy

  • What is Legal Expenses insurance?

    We work in partnership with our motor legal expenses insurer to provide you with comprehensive legal expenses insurance and manage your fleet insurance claims.

    Read more about legal expenses cover and fleet insurance

  • How do I arrange a courtesy vehicle?

    If any of your fleet vehicles are off the road after an accident that wasn’t your fault, you will be provided with replacements while yours are repaired.

    Read more about courtesy vehicle cover and fleet insurance

  • Do you insure tools used by fleets?

    Yes. Tools insurance is an optional policy you can purchase in addition to your fleet insurance.

    Read more about tools cover and fleet insurance

  • Can I insure my own van with you, even if it’s not part of a fleet?

    Yes, we can provide motor insurance for your own vehicle.

    Read more about insuring a van

  • What types of commercial vehicles are covered by your fleet insurance policy?

    We can provide cover for cars and larger commercial vehicles up to 44 tonnes, including trucks and special types.

    Read more about fleet insurance and vehicle types

  • Do you offer No Claims Discounts on fleet insurance policies?

    There are many factors taken into consideration when rating fleet insurance such as the cost and frequency of claims.

    Read more about fleet insurance No Claims Discount

  • Do you insure fleets registered in Northern Ireland?

    No, we do not insure fleets driven in Northern Ireland.

    Read more about insuring a vehicle fleet in Northern Ireland

  • Do you insure fleets registered in the Channel Islands?

    Yes, we insure fleets registered and driven in the Channel Islands.

    Read more about insuring a vehicle fleet in the Channel Islands

  • How can I pay for my policy?

    We currently offer two ways of paying for your fleet policy.

    Read more about how to pay for your fleet policy 

  • How do I get my insurance documents?

    When you buy a fleet insurance policy via our website, your documents will be posted to you the next working day.

    Read more about accessing your fleet insurance documents

  • Can I manage my policy online after purchasing it via your specialist team?

    No. You will need to contact our team to make changes to your policy.

    Read more about managing your fleet insurance policy

  • How do I notify you of a claim?

    We know how stressful making a claim can be, so we have a comprehensive list of all claims contact numbers on our Making a Claim page.

    Read more about how to notify us of a fleet insurance claim

  • How does fleet insurance work?

    Whether transporting tools, materials, or your team to various job sites, your vehicles are essential. This makes fleet insurance not just a practical necessity but a strategic asset.

    Read more about how fleet insurance works

  • How much does fleet insurance cost?

    If you are running more than one vehicle as part of your business, the most cost-effective way to insure all the vehicles is often by taking out a fleet insurance policy.

    Read more about how much fleet insurance costs

Any more questions?

If you have a question that's not answered here, please give us a call.

Call us on 0800 0280 380

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Trade Direct Insurance Services Limited (company number 1580129). Registered office Mill Pool House, Mill Lane, Godalming, Surrey, GU7 1EY. Trade Direct Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA), firm registration number 307734. You can check this by visiting the FCA website at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768

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