For small fleet owners, insurance can be a confusing aspect of running a business. At BCD, they get it. You’re busy, short on time, and working a job that’s often stressful. The last thing you need is complicated insurance. BCD can sort out your insurance coverage for you, saving you time and stress. Working with their skilled and experienced team of insurance brokers means you get the best level of coverage.
In the UK, motor insurance is a legal requirement. If you drive on any road or use it in a public place the minimum insurance requirement is third-party. Failure to have the right level of insurance for every vehicle in your fleet can lead to confiscation of the vehicle, fines, penalties and a ban on driving.
What we’ll cover
Fleets, bookings, subcontractors, compliance & payments.
With HX, you can manage them all in one place.
What is the best fleet insurance on the market?
When you’re insuring a small fleet it’s important to know that the cheapest option isn’t always the right. This is because insurance bought online or through a less experienced insurance broker could leave you with gaps in your cover.
If you have a road traffic accident or injure someone as a result of your work and face an expensive lawsuit, the impact on your finances and reputation could have a lasting impact on your business and profits.
Why get a fleet insurance policy?
Placing your fleet vehicles under one single policy can help you organise your admin process and keep you organised. You can keep track of your renewal dates and management of your vehicles and drivers easily and free of hassle.
When you arrange fleet insurance through BCD, you’ll get:
- A policy that covers you correctly and will respond when you need it to.
- Gives you simple admin for changing drivers and/or vehicles.
- Often benefits from exclusive discounts and full UK market coverage.
BCD can also arrange the following coverage to protect your business and fleet.
- Public & Employers’ Liability Insurance (an important aspect of your policy should a member of the public or employee become sick, injured or die because of your business operations).
- Goods-in-Transit Insurance (insures the goods your transport, whether they are parcels, palletised items, furniture or any other type of item that you need to protect in case of any costly mistakes or accidents).
Getting help from BCD can help you easily manage any insurance claims. They provide their customers with a high-quality claims service through a dedicated claims hotline.
When you arrange your insurance through BCD, you instantly have someone on your side, who can communicate with insurers on your behalf in the event of any issues with a claim.
5 ways to reduce your fleet insurance costs
#1 Use telematics and driver monitoring
Install telematics devices in vehicles to track speed, braking, and driving behaviour.
Insurers often look favourably on fleets that operate safely, especially if they can see that risk of road incidents is potentially lowered with responsible driving. This, in turn, lowers the risk of liability claims.
#2 Vehicle maintenance
Keep on top of vehicle performance, by maintaining and servicing your vehicles on a regular basis.
Well-maintained vehicles are less likely to break down or be involved in road traffic incidents.
#3 Hire safe and responsible drivers
Drivers with experience and good driving habits can reduce your fleet’s risk profile, which can cut down on the cost of premiums.
#4 Increase voluntary excess
Choosing a higher excess (the excess is the amount you pay before your insurance coverage kicks in) reduces the insurer’s risk, which can result in a lower premium.
#5 Review and tailor your policy
Review your fleet insurance policy on a regular basis. This will help you see whether there are any gaps in your cover or whether you’re underinsured.
If you’re underinsured, you are likely to face problems with a claim. This is because if your fleet isn’t covered at the right level, your insurer will only pay part of your claim payout, or in some cases your claim will be invalidated.
To make sure your coverage is at the right level, talk to BCD. Even if you’re not insured through them, their team of experts can advise you on any gaps in your policy and how to cover them.
#6 Be clear and transparent about your circumstances
Be completely honest about your vehicles and their usage, so that your broker can make sure you have the right cover.
For example, if you work long-haul journeys, you’ll need a different type of policy than if you focus on delivering to local areas.
Why take out fleet insurance through BCD?
Working with a broker like BCD who understands the fleet market, means you can benefit from reliable and accurate coverage from a trusted broker. They can cover any vehicle type up to and including 44 tonnes if you have 3 or more vehicles in your fleet with no upper limit. Any of your drivers can drive your vehicles, as long as they’re insured under your fleet insurance policy, and there no admin fees.
In addition to using the services of a broker like BCD, there are some simple actions you can take that could reduce your insurance costs in 2026.
Get a new quote or review your existing fleet insurance policy with BCD’s team of experts. Save time on handling complex documents, policies, and legal requirements by letting their team do it for you. Get advice on optional extras like breakdown cover.
- https://www.abi.org.uk/news/news-articles/2025/7/motor-premiums-fall—but-repair-and-theft-costs-keep-revving-up-claims
- https://www.repairerdrivennews.com/2023/12/19/aaa-finds-adas-increase-repair-costs-by-up-to-37/
- https://businessmotoring.co.uk/ons-data-shows-vehicle-thefts-reach-highest-level-in-over-a-decade/
Business Choice Direct Insurance Services® is a trading name of Specialist Broking Retail Limited who are authorised and regulated by the Financial Conduct Authority. (FRN 927512). Registered in England No. 10301653. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.
