Incorporating Hargreaves Perkins Insurance Brokers
British Insurance Brokers' Association | Member

Fleets and Haulage Insurance

Fleets and Haulage Insurance

Rowlands & Hames manages a significant number of motor fleet insurance policies from small ‘mini-fleets’ with between 2 and 10 vehicles to ‘full fleets’ with 10 or more vehicles, often into the hundreds of vehicles.

We have relationships with all the major fleet insurers, plus access to all Lloyd’s of London underwriters and syndicates.

With one renewal date, a single motor fleet Insurance policy covering all vehicles owned by a business or organisation makes both administrative and economic sense.

Insurers generally provide motor fleet insurance cover for virtually any vehicle in your possession, and any vehicle combination. Cars and vans plus trucks. No problem!

You can choose between Comprehensive, Third Party Fire and Theft and Third Party Only cover vehicle by vehicle, to suit your individual business needs.

Driving under a motor fleet insurance policy is usually on an ‘any driver with the policyholder’s permission’ basis which may stops you from having to restrict a younger driver to just one vehicle in order to save premiums.

Competitive pricing

If you are seeking a competitive commercial fleet premium for a private car fleet or commercial vehicle fleet, or a combination of both, Rowlands & Hames’ experienced team will review your fleet insurance history and approach multiple insurers with supporting background history, claims experiences and up to date risk management information.

We can arrange for you to move from a ‘no claims bonus’ rated multiple vehicle policy to a Fleets and Haulage Insurance – a fleet insurance can be much easier to manage and is generally more competitive. The ability to add/delete vehicles at any time and include temporary additional vehicles are major advantages, plus of course the ‘any driver’ basis.


With motor fleets and haulage insurance, we proactively manage any client’s motor fleet claims, our priority always being to return your vehicles to the road as soon as possible and to assist in the defence of any third party claims.

Through our relationship with BD Elite, a reputable accident management firm, our clients with Motor Fleet Insurance benefit from 7 day per week / 24hour claims reporting, emergency hire car availability and personal injury solicitors.

Motor Fleet Insurance Premiums remain very competitive with only one or two insurers seeking general increases for existing business – insurers can be very competitive when it comes to Motor Fleet Insurance new business enquiries.

Your questions answered

What fleet cover can I purchase? 
Comprehensive is generally covered but any combination of comprehensive, third party fire and theft, or third party only can be arranged.

What vehicles can we include onto the fleet policy? 
All forms of vehicles and any combination thereof can generally be accommodated – cars, vans, heavy goods vehicles, public service vehicles, vehicles used for hire and reward, agricultural vehicles, taxis, special type vehicles (eg fork lift trucks) and road registered plant.

What fleet use can be accommodated? 
Business use as well as social domestic and pleasure. When required, hire or reward, private hire, public hire can be added. Furthermore, cover can be extended to include Additional Business Use.

Who can drive under a fleet?
Generally any person with the permission of the policyholder (i.e. principle, partner or director) from 17 years of age up. However discounts are available if driving can be restricted to say above 21, 25 or even 30 years.

Policy limits and exclusions may apply, please see policy wording for full terms and conditions.

Contact the Team

Mike Watkinson Dip CII | Account Manager
Mike Watkinson Dip CII


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