Commercial vehicle or fleet insurance is designed to cover the driving of you and your employees in your company vehicles.

Driving is a dangerous workplace activity and motor fleet insurance will offer peace of mind that you and your employees’ driving is covered.

Fleet insurance may be offered as part of a wider business insurance package tailored to suit the needs of your business.

Motor fleet insurance offers flexibility and savings for your business with motor fleet policies for multiple vehicles usually being cheaper than individual policies.

Fleet insurance Ireland

What is motor fleet insurance cover?

Motor fleet insurance is designed for commercial vehicles of businesses with more than two vehicles ie. cars, vans, jeeps, HGVs, trucks, buses, and coaches for all classes of use, depending on your motor fleet insurance cover.

Compare business insurance quotes from every insurer.

Take our 90-second online assessment and get the best business insurance quotes on the market. Our vetted business insurance partners are regulated by the Central Bank of Ireland and will outline the various options available to you.

Types of Motor Fleet Insurance

There are 3 types of motor insurance that should be considered when choosing your motor fleet insurance.

Fleet insurance polices may offer:

  • Third party commercial auto insurance

  • Third party, fire, and theft commercial auto insurance

  • Comprehensive commercial auto insurance

3 types of motor fleet insurance that should be considered when choosing your motor fleet insurance

Third Party Commercial Auto Insurance

This is the legal minimum level of cover to drive in Ireland.  It will compensate the other driver in the event of an accident, but will not cover you or your vehicle. 

Third Party, Fire, and Theft Commercial Auto Insurance

This covers the other driver for injury, loss or damage , as well as your vehicle in the event of fire or theft of your vehicle.

Comprehensive Commercial Auto Insurance

Or fully comprehensive policies will offer protection to the other vehicle and driver as well as for your vehicle, in the event that you are at fault in an accident, also covering fire or theft of your vehicle.

Who offers fleet insurance policies in Ireland?

FBD - Home Insurance
Allianz - Home Insurance
Aviva - Home Insurance
AXA - Home Insurance
AA - Home Insurance
Zurich - Home Insurance
AIG - Home Insurance

How Compare Insurance Works

We compare all insurance options so you can be sure you’re always getting the best deal.

1. Select Your Product

Simply select the insurance product you need a quote for e.g. life, home or health insurance.

2. Online Quote Form

Fill out one of our simple online assessments with your insurance details.

3. Free Quote Consultation

A qualified financial advisor will call you back for your free insurance quotation.

What is covered by fleet insurance?

Not all fleet insurance policies are the same. Make sure you are choosing a policies that is best suited to your needs. Consider which of the following is most important to the cover you need.

  • Third party cover
  • Roadside breakdown assistance
  • Windscreen cover
  • Courtesy vehicle
  • Content insurance
  • Open driver cover
  • Medical cover
What is covered by fleet insurance

Third Party Cover

Motor fleet insurance covers third party vehicles, should you be found responsible in the event of an accident, as well as offering cover for:

  • Fire
  • Theft or attempted theft
  • Damage to your own company vehicle

Motor fleet insurance will protect your business from third party claims in the event of one of your vehicles being involved in an accident. It may also offer protection from third party property claims eg. hitting a wall while driving.

Roadside Breakdown Assistance

Some fleet insurance policies offer roadside breakdown assistance or breakdown cover in the event of a mechanical or electrical fault, towing of your vehicle may also be covered.

Windscreen Cover

Windscreen cover, sometimes without affecting your no claims discount, is available depending on your policy.

Courtesy Vehicle

Your motor fleet insurance may provide a courtesy vehicle, should your vehicle be off the road due to an accident.

Content Insurance

Your personal effects in the vehicle may be covered on your motor fleet insurance cover, up to the limit specified in the policy. Some commercial motor insurance policies offer cover for tools left in your vehicle.

Open Driver Insurance

Motor fleet policies also offer full open drive or restricted open drive. An open drive policy means that any driver with the appropriate , full, clean licence may drive any vehicle with your permission.

You may need to keep details of drivers who have used your motor fleet and make an annual declaration to your insurer. This saves the hassle of adding drivers regularly.

Medical Cover

Some motor fleet insurance offers financial protection for medical expenses in the event of an accident.

Fleet Insurance Add-ons

You will get more optional add-ons as standard with comprehensive policies.

Some common fleet insurance add-ons include:

  • Legal expenses cover
  • Accident damage cover
  • And no claims discount protection

Legal Expenses Cover

Cover for legal expenses arising from a claim may be offered with commercial fleet insurance. Some insurers offer legal services and advice in the event of an accident.

Accident Damage Cover

Accidental damage to your vehicle is often an additional option.

No Claims Discount Protection

Step back and full no claims discount protection offer additional cover for the no claims discount on your motor fleet insurance.  Both mean that you can make a limited number of claims and keep part of or all of your no claims discount, depending on the details of your policy.

Tailored Business Insurance Quotes

We are Ireland’s first impartial insurance comparison website.

  • Our mission is to help consumers find the best insurance deals in Ireland

  • All research is examined through an independent market research body

  • Our central bank regulated insurance partners will provide you with free business insurance quotes from every provider so you always get the best deal

How much is fleet insurance?

What affects the price of a fleet insurance policy?

  • The number and type of vehicles covered as well as the levels of cover and any optional extras.
  • The make and model of vehicles covered and their value, as well as any modifications to the vehicles eg. roof racks, roof boxes.
  • The value of the vehicles covered.
  • The intended use of the vehicles – Driving is divided into three classes, depending on the purpose
  • Class 1 – social, domestic, and pleasure.
  • Class 2 – social, domestic, pleasure including business carriage of good or samples.
  • Class 3 – social, domestic, pleasure, including carriage of goods or samples and sales or soliciting for orders
  • The excess on the policy.
compare insurance

Who needs fleet insurance?

All businesses who have more than two commercial vehicles or commercial fleets, especially if they are driven by multiple employees, would be advised to consider a fleet insurance policy.

Business insurance for trades people usually includes product liability cover

Fleet Insurance FAQs

If you have a commercial fleet of more than two vehicles or company cars, you may avail of the flexibility and potential savings of a fleet policy.

You can avail of open drive on your business vehicles so that anyone with a full, clean, appropriate licence can be protected in a motor accident.

Third party only cover is the legal minimum level of motor insurance you need to drive in Ireland. and it is an offence to drive without it.  You may incur penalty points on your licence, be fined, disqualified from driving, or even imprisoned for driving without insurance.

Yes. Telematics record driver information and feedback to your insurance company. AIG offers a driver profiling tool which will allow you to identify any drivers who would benefit from up- skilling on the road.

insurance faqs

Get a quote for motor fleet insurance today.

Get our online assessment today to speak with one of our Qualified Financial Advisors about business insurance today.

Our team of advisors will find the best possible quote on the market for you.

Don’t wait until its too late, insure your fleet today.

Get your free home insurance quote today

Get the lowest premiums by comparing all the policies in the Irish market

Choose your insurance type, fill out the relevant assessment and speak to a central bank regulated insurance advisor