There is no reliable shortcut to predicting a fleet premium. Insurers consider the particular vehicles, drivers, use and claims experience.
Vehicle type and value matter
Repair costs, performance, parts availability and theft exposure can all influence pricing.
Drivers matter
Age, experience, licence history and who is allowed to drive which vehicle can be relevant.
Use matters
A local office fleet, trade vans and high-mileage delivery vehicles are not the same risk.
Claims history matters
Frequency, severity and the circumstances of past claims can all influence an insurer’s view.
Avoid headline saving claims
A comparison can show what is available for a particular fleet, but no responsible site can promise that every business will save money.
Why two similar fleets can receive very different premiums
Fleet A
Five modest vans, experienced drivers, low annual mileage, overnight off-road parking and few recent claims.
Fleet B
Five higher-value vans, younger drivers, heavy urban mileage, tools left in vehicles and several recent claims.
Even with the same number of vehicles, the insurer may view the two risks very differently. Vehicle value, occupation, postcode, driver ages, use, claims history and security can all influence the premium.