Can I get fleet insurance for personal cars?

Fleets aren't just for businesses.

Fleet insurance is a type of insurance that covers multiple vehicles. This type of policy usually covers a minimum of two vehicles and, for businesses, can insure up to a thousand. The number of vehicles covered will vary depending on the insurer, but this can also be applied to personal cars under 'family fleet insurance'.

Family fleet cover

These days most families also have more than one car in each household, especially if extended family are living at home as well. Family fleet cover allows customers to insure several vehicles on one policy. On most family fleet (or multicar) policies, insurers will only provide cover for up to five vehicles under one policy, but this should be discussed with each provider. Almost any vehicle can be covered including classic cars, motorcycles, vans and motor homes and can be flexible for each vehicle.

What's covered?

Just like most other types of auto insurance, there are three levels of cover that can be provided:

  • Third-party. This is the minimum level of cover required by law and covers the cost of damage done to other vehicles, people and property. However, it doesn't cover the replacement of the drivers vehicles or possessions.
  • Third-party, fire and theft. This covers everything third party policies do but will also pay to cover the driver's vehicle of it's damaged or stolen.
  • Comprehensive. This level of cover provides everything a third party, fire and theft policy does as well as damage to the driver's vehicle and property even if the driver is at fault.

The level of cover needed is dependent on each policyholder but there are also a variety of optional extras that can be added that enable the policy to be tailored to each drivers specific needs. These can include:

  • Windscreen cover
  • Breakdown cover
  • No claims protection
  • Courtesy car
  • Motor legal


One of the main benefits of family fleet cover is that insured vehicles are all held under one policy, this means there is less paperwork to do and only one renewal date. This provides a more hassle-free option for households with multiple cars. Family fleet cover is designed to be flexible so each vehicle can have a different level of cover. This means that cheaper, run around cars can have a lower level of cover than more expensive cars that might require the full protection of a comprehensive policy.

Most insurers will also offer no claims discount protection separately for each vehicle, so if one vehicle is involved in an accident, this won't affect the other vehicles no claims discount. This also means that each vehicle can earn its own no claims discounts unaffected by other vehicles on the policy.

Some insurers will offer a discount for the number of vehicles insured under one policy; this makes a family fleet policy the most affordable for many households. Check with each provider how much discount they can offer and pay annually for the policy to get the highest level of discount.

In most cases, the vehicles will all need to be registered to the same address to qualify for family fleet insurance but the people living there don't need to be related. Some providers may also be willing to insure vehicles owned by family members that live away from home for a part of the year such as university students. However, this is dependent on each insurer so this must be discussed with the provider first.

If you would like to know more about fleet insurance, for personal or business vehicles, the CGA can help. Call our team on 01985 850706 and speak to one of our advisors. We are committed to never using automated services so you can be sure that when you call us, you'll speaking to a real person.

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