Fleet insurance

Motor fleet insurance for Irish businesses managing multiple vehicles.

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Protection for your fleet investment

Motor fleet insurance helps protect your vehicles, drivers and day‑to‑day operations under one straightforward policy. If your business runs multiple vehicles, managing individual insurance policies can be time‑consuming and costly. A fleet insurance policy brings everything together so you can manage your cover more easily, stay compliant and keep your vehicles on the road.

As a broker, we work for you. We help you understand your risks, compare insurer options and build a policy that fits your fleet, whether you operate cars, vans, HGVs or specialist vehicles. Our advice is positively personal, grounded in a clear understanding of your business.

What’s covered under a motor fleet policy

    • Fleet vehicle insurance

      Cover for cars, vans, trucks or mixed fleets used for business.

    • Any driver or named driver options

      Choose the approach that suits your business model and driver team.

    • Windscreen and glass cover

      Useful for high‑mileage commercial vehicles.

    • Complete coverage options

      Third party, third party fire and theft or comprehensive cover options available to build on based on your risk appetite.

    • Motor legal protection

      Support with legal expenses relating to covered incidents.

    • Telematics or camera based options

      Available for some fleets to support risk reduction.

    • Grey fleet insurance support

      Guidance on protecting employees who use personal cars for business.

    • Goods in transit and haulage cover

      For fleets that transport goods or materials.

Who needs motor fleet insurance

Fleet insurance is designed for businesses that rely on multiple vehicles. It is suitable for:

  • Trades and contractors
  • Courier and delivery firms
  • Haulage and logistics operators
  • , minibus and  fleets
  • Car rental and hire companies
  • Agriculture and farm fleets
  • Car dealerships and 
  • Businesses with sales or service teams on the road

In a nutshell, if your business uses two or more vehicles, fleet insurance can streamline your cover, reduce admin and help you manage your risk more effectively.

What fleet owners worry about the most

Running a fleet is not just about insuring vehicles. Irish fleet owners are often more concerned about downtime, uninsured driver incidents, rising repair costs and the disruption caused by even minor claims. 

Driver turnover, changing routes and vehicles being added or removed can also create gaps in cover if policies are not reviewed regularly. Our role is to help fleet owners stay ahead of these risks and keep their vehicles working when the business needs them most.

Two commercial vans lined up one behind the other

How we work with you

Our approach is built on partnership. We take you through a clear process:

 

Understanding your fleet
We learn how your business operates, the types of vehicles you use, where they travel and who drives them.

Fleet risk review
We look at claims history, driver mix, routes and vehicle types to understand your exposure.

Designing tailored cover
We build your fleet policy structure, recommend cover options and discuss any driver restrictions or enhancements.

Market placement
We approach suitable insurers and negotiate on your behalf, helping you compare cover and price.

Setup and onboarding
We support you with documentation, fleet schedules and claims reporting processes.

Ongoing support
We review performance and claims trends so your policy stays aligned with your needs.

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Fleet Insurance FAQs

Most businesses can get fleet insurance with two or more vehicles, depending on the insurer.

The biggest disruption usually comes from vehicle downtime. Multi‑vehicle collisions, uninsured driver incidents and delays in repairs can quickly affect operations, staff and customer commitments.

Fleet insurance should be reviewed at least annually and whenever vehicles, drivers, routes or business activities change. Regular reviews help avoid underinsurance and outdated cover.

Grey fleet risk arises when employees use their own vehicles for business purposes. If unmanaged, it can create gaps in insurance cover and employer duty of care responsibilities.

Pricing is influenced by claims history, driver profiles, vehicle types, mileage, routes and how the fleet is managed. Accurate, up‑to‑date information helps insurers assess risk more fairly.

Uninsured driver incidents can be complex and time‑consuming. We support fleet clients through the claims process and help them understand recovery options available under their policy.

Yes. Fleet policies are designed to be flexible and can be adjusted as vehicles are added or removed, routes change or new services are introduced. Ongoing reviews help keep cover aligned.

Yes, van fleet insurance is available for trades, couriers, contractors and service businesses.

Get in touch with our team for a quote.

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We're always here to help

Whether you're exploring options or ready to apply our team can guide you every step of the way.

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