Fleet and Haulage Insurance
Flexible cover for cars, vans and trucks
Fleet and haulage insurance is commonly arranged by businesses operating multiple vehicles. Policies can be structured to cover cars, vans and trucks, with comprehensive and third-party options available depending on vehicle type, usage and insurer criteria.
Arranging cover under a single fleet policy can help simplify administration and provide consistent protection across a business’s vehicles.
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Who Fleet and Haulage Insurance Is Arranged For
Fleet and haulage insurance is arranged by businesses and organisations operating two or more vehicles. This includes small ‘mini-fleets’ with between 2 and 10 vehicles, through to larger fleets with 10 or more vehicles, including fleets running into the hundreds.
Cover can be structured for private car fleets, commercial vehicle fleets, or mixed vehicle fleets operating cars, vans and trucks.
Policies are commonly arranged where businesses want to manage all insured vehicles under a single renewal date and retain the ability to add or remove vehicles during the policy period, subject to insurer terms.
This type of cover is often arranged by:
- Haulage and logistics operators
- Distribution and delivery businesses
- Construction and trade companies
- Businesses operating company car or van fleets
- Organisations running mixed vehicle fleets
How Fleet and Haulage Insurance Is Structured
Fleet and haulage insurance is usually arranged under a single policy that covers multiple vehicles operated by a business or organisation. This approach allows all insured vehicles to be managed under one renewal date, helping to simplify administration.
Policies can be structured to include a wide range of vehicle types, such as cars, vans and trucks, within the same fleet arrangement. Different levels of cover may be applied on a vehicle-by-vehicle basis, depending on operational requirements and insurer underwriting criteria.
Fleet policies are commonly arranged to allow vehicles to be added or removed during the policy period, subject to insurer approval. Temporary additional vehicles may also be included where required.
Driver arrangements are often structured on an “any driver with the policyholder’s permission” basis, although insurers may apply age limits, conditions or restrictions depending on claims history and risk profile.
Typical Areas of Cover
Vehicle Types
Fleet and haulage insurance can be arranged to cover a wide range of vehicles, subject to insurer acceptance.
Examples may include:
- Cars
- Vans
- Heavy goods vehicles (HGVs)
- Trucks
- Mixed vehicle fleets
Levels of Cover
Different levels of cover can be applied on a vehicle-by-vehicle basis within a fleet policy, depending on business requirements and insurer terms.
Levels of cover may include:
- Comprehensive
- Third Party Fire and Theft
- Third Party Only
Driver Cover
Driver arrangements are agreed with insurers at policy inception and may vary depending on the fleet’s risk profile.
Cover is often arranged on:
- An “any driver with the policyholder’s permission” basis
- Named driver arrangements, where required
- Insurers may apply age limits, experience requirements or additional conditions.
Use of Vehicles
Fleet and haulage insurance can be structured to reflect how vehicles are used as part of a business’s operations.
This may include:
- Business use
- Social, domestic and pleasure use
- Hire and reward, where applicable
- Additional business use, subject to insurer terms
Optional Extensions
Depending on insurer appetite and the nature of the fleet, additional policy extensions may be available.
Extensions may include:
- Temporary additional vehicles
- Cover for specialist or modified vehicles
- Additional business use
- Increased indemnity limits
Policy limits, conditions and exclusions apply. Please refer to the policy wording for full terms and conditions.
Fleet Premiums and Policy Management
Fleet insurance premiums are assessed by insurers based on a range of factors, including the types of vehicles insured, how they are used, driver profiles, claims history, and risk management practices.
When arranging fleet and haulage insurance, our role is to review this information and approach suitable insurers with supporting background details, including claims experience and current risk management measures.
Fleet policies are often used where businesses want the ability to manage their insurance efficiently throughout the policy period. This can include adding or removing vehicles, adjusting cover as requirements change, and managing all vehicles under a single renewal date, subject to insurer terms.
In some cases, businesses may move from a multiple vehicle policy to a fleet-rated arrangement where this better reflects the size or structure of the fleet.
Fleet and haulage insurance arrangements can support:
- Centralised policy administration
- Flexible vehicle management during the policy period
- Consistent cover terms across the fleet
- Review of claims experience and risk information
- Ongoing support at renewal
Claims Support
Claims handling is an important part of any fleet and haulage insurance arrangement. Our role is to support clients through the claims process by acting as a point of contact between the policyholder, insurers and relevant third parties.
We assist with the notification and management of motor fleet claims, helping to coordinate information, liaise with insurers, and support the progression of claims in line with policy terms and conditions.
Where applicable, we can also assist with the defence of third-party claims and provide guidance throughout the claims process to help minimise disruption to business operations.
Through established relationships with specialist accident management providers, clients may have access to additional claims-related services such as extended claims reporting hours, emergency vehicle hire, and personal injury legal support, where appropriate and subject to insurer approval.
Claims support may include:
- Assistance with claims notification
- Liaison with insurers and third parties
- Support with third-party claim defence
- Coordination with accident management providers, where applicable
Fleet and Haulage Insurance FAQs
What fleet cover can be arranged?
What vehicles can be included on a fleet policy?
Can different types of vehicles be insured under one fleet policy?
What types of vehicle use can be covered?
Who can drive under a fleet insurance policy?
Can vehicles be added or removed during the policy period?
Is fleet insurance suitable for small fleets?
How are fleet insurance premiums assessed?
Do you provide support with fleet insurance claims?
Is haulage insurance different from standard fleet insurance?
Policy limits, conditions and exclusions apply. Please refer to the policy wording for full terms and conditions.
Contact the Team
Mike Watkinson Dip CII
- Business Development Director
- 01253 598973
- mike@rowlands-hames.co.uk
Insurance Sectors We Cover
We provide tailored insurance solutions across a wide range of sectors. Each policy is designed around your industry’s specific risks, ensuring you’re fully protected, compliant, and supported by our expert team.
Testimonials
Many thanks to Rowlands & Hames, especially Gary Baxter who has helped and guided us through our insurances this last year, and problems [claims] when necessary. Your help and support are very much appreciated.
Further to all our communications and dealings over the last few months, we would like to thank you for your tenacity and achieving this result in respect to settling the above claim for £800.00. Please accept our thanks for keeping at the insurers and ensuring this favourable outcome.
I would have no hesitation in recommending Rowlands & Hames and Gary to individuals or corporate structures requiring insurance services. It is great peace of mind to know that a competent individual and broker is supporting both myself and my companies.
In response to the handling of a claim:
“Tony Swallow was excellent, a credit to Rowlands & Hames."
Further to all our communications and dealings over the last few months, we would like to thank you for your tenacity and achieving this result in respect to settling the above claim for £800.00. Please accept our thanks for keeping at the insurers and ensuring this favourable outcome.
Rowlands & Hames have always provided good advice, and have consistently ensured that my clients and I have appropriate and cost-effective insurance cover in place at all times, regardless of the complexities of the circumstances. Their claims-handling support is second to none in my experience.
Thank you so much for all of this and to Mike and Paul for making life so straightforward with renewal yet again. Our director has total confidence in the service you provide and is grateful for our longstanding partnership.
That’s great news Thanks for your persistence with this matter I am sure it made all the difference. It is nice to see someone go the extra mile for their customers even though it wasn’t really your problem. Once again thanks for the brilliant job and advice.
Regarding our latest newsletter: “What another classic example of Quality Customer Care – Sending out information like this is vital to ALL businesses and not just your Customers – so just to say you guys never cease to impress me.
The insurers were slow to make the payment once the claim settlement had been agreed. Our claims manager Colin chased this on our behalf. The service from Colin was wonderful, he communicated clearly and often and I really felt he was looking after our clam. Colin made the whole process quick and easy and took the stress out of it for us to thank you!
I would like to take this opportunity to commend one of your staff: Mike Watkinson.
This is customer service at its finest and Mike is surely a valuable and valued member of your staff.
Moving forward the team took the reigns in organizing the incident in a precise and methodical way. There were no delays, everyone was on site no later than Monday and everything generally ran smoothly throughout the refurbishment.
We received excellent service, speed and communication from Rowlands & Hames. The team that worked on my property were very knowledgeable, highly experienced, reliable and professional. They kept me up to speed as the job went a long. They were tidy and polite.
Paul has dealt with our business from day one and I have found him to be very knowledgeable and approachable.
We have been dealing with Trevor Taylor for many years and have always found him to be most helpful and professional in every way. His assistance in all aspects of out insurance has proved to be invaluable. I can recommend his service to anyone.
…service from Rowlands & Hames has been exceptional over the years.
I have to add that I have always been impressed by Tony’s help in the past for our commercial business insurance and I am equally so pleased in the way this insurance has been effected.
Just to let you know I have received payment from the insurance company.
May I take this opportunity to thank you and your colleagues for your help with this claim. You made it easier for me and kept me updated along the way.
Keep up the great work guys.
Great customer service from Gary Baxter and his team.
I have dealt with a number of other brokers in respect of our block policy prior to our agreement with R&H and am able to state confidently as the policyholder, I am more than satisfied and recommend without hesitation, the service given by your team being of an exceptionally high standard. Keep up the good work.
Thank you June – your response was very quick as usual, really good service
…the [travel] insurance has been fantastic and sorted everything out very promptly for him – his son is still out there with him and [the travel insurer] have covered all of that so thanks very much to them and you and Mike etc for all your help.
I would also like to inform you that I am leaving next Thursday. I would like to thank you for all your help and hard work that you have supported me with. Your service was incredible and I would recommend you with the highest regards to anyone. Thank you.
Thank you so much Colin to you and Tony for all your all efforts on our behalf. We cannot thank you enough.
I wanted to thank you very sincerely for obtaining the insurance claim monies for me. The system was very trouble free for me. It is a great help, and also gives me much confidence in case there are future problems. Meanwhile, very many thanks for your work regarding this issue.
I found the staff to be very efficient and professional and would recommend your company to anyone. Good job
Following a dispute with an insurer over temporary unoccupancy… “It’s today’s actions that will determine which and how companies come out of this. You have been brilliant and show the true value of having a broker. Catch up soon. Thanks
My associations with Rowlands & Hames goes back 20 years or so. I have always found them exemplary in any advice, claims etc. We recently had what we considered to be a potentially difficult public liability claim with a major client of ours but this was soon successfully concluded by John Isles and his very efficient team. I am extremely pleased with our involvement with this company.
I’ve always had great service from Rowlands Hames so would be happy to ask you for help with other insurances as they come up for renewal.
Many thanks for your assistance, you’ve been first class as always this is why we use professionals like yourselves.
great CSR to help us get our insurances ready for our first 6 employees starting next week
Many thanks to you for your support throughout the claim process. The true value of having a Broker is realised when a claim occurs.
I am grateful and very impressed with the care and understanding R&H’s claims team have shown throughout a stressful and difficult time for me. I got my Fiat Panda back today, all sparkly and repaired; without your excellent handling of my claim, the last few months would have been so much worse as I have recovered from my injury. I have been a customer of yours since Andrew Dalby days and your company has never let me down.
Thank you Paul and it is because of the relationship we have with you, the way you throw everything at getting us the best response from the insurers and the flexible support that you give us that enables us to get on with delivering our work and not being bogged down/ restricted as we have in the past with previous insurers/brokers so again, thank you!
Amazing, thank you so much for your speedy response Rachel, very much appreciated as always
Hi Mike,
My pleasure. Julie has spoken very highly of you too with your help on the management companies.
Thanks Colin. Great work as per usual by R&H. Much appreciated.
Hi Dan,
Firstly, thank you for putting in a late shift the other evening to get all our new insurance policy documents over. All received and I’ve reviewed them and can confirm that all the details are all correct and that all terms and conditions are understood and acceptable. Both - Thanks for all your work on our annual renewal. You make the whole process very straightforward!
Thanks for all of your support in this Mike, Everyone feels better knowing that R&H and yourself in particular are there – I certainly do.
Thank you very much for providing such a detailed review of my insurance options regarding my two BTL (Buy to Let) properties.
I contacted Rowlands & Hames recently regarding a complex business insurance policy. The guidance and advice from Gary was absolutely brilliant. I would not hesitate to recommend Gary and his team.
I am so grateful for Liz Kelly and her huge help in getting the insurance sorted for my property. I have been waiting for 6 months for the transfer of ownership from the land registry and am still waiting. As an executor of my father's will, it has been a long journey. In the last 3 years, I have lost my mother, father, and my partner all to cancer and dealt with probate 3 times now and property. For once, I have felt someone truly tried so hard to sort out the issues, and Liz, no fuss just wanted the right outcome for someone she doesn't even know not knowing as a person my history of loss. Liz, you are an angel. Thank you so much 💓. You deserve a huge Christmas bonus.
Wow what can I say other than yet again thank you to yourself and Colin for all of the hard work you have put into getting a result for us on this, we have gone backwards and forwards and not made it easy for you (certainly not on purpose!) this is an amazing result and we are incredibly surprised and happy! Thanks again both, you really do look after us and if there was an award for it you would win it!
I have had so many brokers emailing me over the last few weeks wishing to discuss how they can help us and I take great pleasure each time in mentioning the ongoing and great relationship we have with our brokers and that they cannot possibly compare – I am right every time!
Dear Paul
Whilst Janet has been your point of contact, and will remain so going forwards, I just wanted to say thank you for your diligence in this matter. We have been impressed by your feedback, and for my part I am relieved that our business interruption cover and documents cover Is now on a floating (non-location specific) basis. This has been a concern during our most recent renewals. We look forward to working with you going forwards, and hope to meet you in person soon.
