Mini Fleet Insurance
Get Flexible Cover for Small Business Vehicle Fleets With Our Mini Fleet Insurance
Managing a fleet of company vehicles—even a small one—can be time-consuming and expensive when each vehicle is insured separately. With Mini Fleet Insurance, you can combine multiple vehicles into one streamlined policy, reducing admin, saving costs, and ensuring all your business vehicles are fully covered.
At ABA Insurance, we provide specialist Mini Fleet Insurance for businesses with 2 to 15 vehicles, offering flexible, cost-effective protection tailored to your operations. Whether you have vans, cars, trucks, or a mix of vehicle types, we’ll create a policy that keeps your business moving.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Mini Fleet Insurance?
Mini Fleet Insurance is a specialist multi-vehicle policy designed for businesses that operate two or more vehicles. Instead of managing separate policies for each vehicle, a mini fleet policy covers all vehicles under one plan, making it easier to manage renewals, claims, and driver allocations.
This insurance is ideal for:
- Tradespeople with multiple vans
- Small delivery or courier businesses
- Construction and maintenance companies
- Taxi or private hire operators
- Businesses with a mixed fleet of cars, vans, or trucks
By insuring multiple vehicles under one simple policy, businesses benefit from reduced costs, streamlined management, and greater flexibility.
Why Do Businesses Need Mini Fleet Insurance?
Easier Administration & One Renewal Date
Managing multiple vehicle policies is complicated and time-consuming. A mini fleet policy simplifies insurance by combining everything under one renewal date.
Cost Savings on Multi-Vehicle Cover
Instead of paying for individual policies, a mini fleet policy is often cheaper, as insurers provide discounted rates for multiple vehicles.
Cover for Any Business Driver
Most mini fleet policies offer Any Driver Cover, meaning employees can legally drive any insured vehicle, reducing the need to constantly update driver details.
Flexibility to Add or Remove Vehicles
Your fleet may grow or change. Mini fleet insurance allows you to add or remove vehicles at any time, keeping your cover adaptable to your business needs.
Consistent Cover Across All Vehicles
A fleet policy ensures uniform protection across your business, preventing coverage gaps between different individual policies.
What Does Mini Fleet Insurance Cover?
ABA’s tailored policies can include:
- Comprehensive, third-party fire & theft, or third-party only cover
- Cover for cars, vans, trucks, or mixed fleets
- Any Driver Cover (optional) for employee flexibility
- Public liability insurance for business operations
- Goods in transit cover for courier and transport businesses
- Tool and equipment insurance for trades using vans
- Breakdown cover for on-the-road assistance
- Legal expenses cover for accident claims and disputes
We tailor each policy to suit your business type, vehicle use, and driver requirements.
Get The Right Business Insurance
Who Can Be Covered Under a Mini Fleet Policy?
Mini Fleet Insurance can cover company directors, employees, and named drivers, with the option to include Any Driver Cover for added flexibility. Insurers typically require:
- Minimum driver age (usually 21, 25, or 30 depending on the policy)
- Full UK driving licence held for a minimum period
- Clean driving records, or limited penalty points
- Business use only (not for personal or private hire purposes)
ABA Insurance works with businesses to tailor driver criteria based on their industry and risk profile.
What To Look Out For When Getting The Right Mini Fleet Insurance Cover Policy
Spending Too Much Time Managing Multiple Policies?
One policy. One renewal date. One point of contact. Mini fleet insurance makes fleet management easier.
High Insurance Costs for Separate Vehicles?
A fleet policy offers multi-vehicle discounts, reducing overall business insurance expenses.
Needing Flexible Driver Cover?
An Any Driver policy option means employees can switch vehicles freely, ensuring business continuity and legal compliance.
Worried About Business Disruptions from Breakdowns?
Breakdown cover can be added, keeping your fleet running smoothly with roadside assistance.
Need Cover for Tools or Goods in Transit?
For businesses using vans, we provide tool and cargo cover under the same fleet policy.
How Much Does Mini Fleet Insurance Cost?
The cost of Mini Fleet Insurance depends on:
- Number and type of vehicles insured
- Business sector and vehicle usage (e.g., trades, couriers, taxis)
- Driver profiles (age, experience, claims history)
- Level of cover required (comprehensive, third-party, etc.)
- Additional extras (breakdown, legal cover, goods in transit, etc.)
ABA Insurance provides tailored quotes with competitive pricing, ensuring you get the best cover at the right price.
Why Choose ABA Insurance for Mini Fleet Insurance?
- Industry expertise in small business and fleet insurance
- Flexible policies tailored to different business sectors
- Competitive pricing with multi-vehicle discounts
- Fast quotes and simple administration
- Dedicated claims support team for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Mini Fleet Insurance Today
Take control of your business vehicle insurance with Mini Fleet Insurance from ABA Insurance. Whether you have 2 or 15+ vehicles, we offer cost-effective, tailored cover that grows with your business.