Mini Fleet Insurance
appropriate cover for businesses with 3-10 vehicles. Mini fleet insurance simplifies administration by covering all your vehicles under one policy, often at better rates than individual policies.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What Does Mini Fleet Insurance Cover?
Mini fleet insurance provides comprehensive protection for small commercial vehicle fleets. Coverage typically includes:
Comprehensive Cover
Full protection for your vehicles including accidental damage, fire, theft, and third-party claims.
Third Party, Fire & Theft
More practical option covering damage to third parties plus fire and theft of your vehicles.
Third Party Only
Basic legal minimum cover for damage or injury caused to others – lowest cost option.
Any Driver Cover
Option to cover any driver with your permission, ideal for businesses with multiple staff.
Goods in Transit
Protection for tools, equipment, or stock carried in your vehicles.
Windscreen Cover
Repair or replacement of windscreens and glass without affecting your no-claims bonus.
Breakdown Assistance
Roadside recovery and repair services to keep your fleet moving.
Courtesy Vehicle
Replacement vehicle while yours is being repaired following an insured incident.
Legal Expenses
Cover for legal costs to pursue uninsured losses following an accident.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Single Policy Simplicity
One policy, one renewal date, one point of contact – simplified fleet administration.
Flexible Driver Options
Named drivers, any driver, or any driver over 25 – we'll find the right solution.
Easy Additions
Add or remove vehicles throughout the year with pro-rata premium adjustments.
Claims Management
Single claims contact for all vehicles with dedicated support throughout.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- Operate 3-10 commercial or company vehicles
- Want to simplify fleet administration
- Need flexibility to add/remove vehicles
- Have multiple drivers across your fleet
- Want one renewal date for all vehicles
- Looking for better rates than individual policies
What We'll Need for Your Quote
- 1List of vehicles (registration, make, model, value)
- 2Vehicle usage (social, business, carriage of goods)
- 3Driver details (names, DOB, licence info, claims)
- 4Business type and nature of use
- 5Where vehicles are kept overnight
- 6Annual mileage estimates
- 7Claims history for the past 5 years
- 8Any vehicle modifications
Frequently Asked Questions
How many vehicles do I need for a mini fleet policy?
Can I mix different vehicle types on one policy?
What happens if I add or remove a vehicle?
Do all drivers need to be named on the policy?
Is there a no-claims discount on fleet policies?
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm