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Choose Your Insurance Type

How Many Vehicles Do You Need Insurance For?

A simple line-drawn icon, in the Here4 Insurance brand colours of yellow and red, depicting a family car to represent Temporary Car Insurance.
Just 1 Vehicle
Three simple line-drawn icons, in the Here4 Insurance brand colours of yellow and red, depicting a transporter style van, a small truck and a larger truck - the vehicles present Motor Fleet Insurance.
2 or more vehicles

Choosing the right insurance for your vehicles depends on whether you have just one or a whole group of them. The right coverage can help keep your business safe, save you money, and give you peace of mind while driving.

Courier Insurance (One Vehicle) If you use one car or van for deliveries, courier insurance is probably what you need. It covers your vehicle when you’re getting paid to transport goods, like parcels or food. Regular car insurance usually won’t cover delivery work, so it’s important to have the right protection.

There are often extra options you can add, like goods in transit cover, which protects the items you’re carrying if they’re stolen or damaged. You could also get public liability insurance to cover accidents involving other people, and employer’s liability if you have workers helping you. Some policies include roadside assistance, replacement vehicles, and legal cost coverage.

Business Fleet Insurance (Multiple Vehicles) If your business has two or more vehicles, fleet insurance may be a better option. Instead of getting separate policies for each vehicle, a fleet policy could cover all of them under one plan. This can make it easier to manage and can save you money.

Fleet insurance is made for businesses with delivery vans, company cars, or sales teams that drive regularly. These policies are often flexible, letting you add or remove vehicles as needed. Some insurers also offer policies where any employee can drive any vehicle in the fleet, which can be really convenient.

You can choose different levels of coverage, like third-party, third-party fire and theft, or comprehensive. Some policies even include tools to track how vehicles are used, helping businesses reduce accidents and improve driver safety – which has the potential to lower costs over time.

The best insurance depends on how many vehicles you have and what your business needs. If you only use one vehicle for deliveries, check out courier insurance. If you have multiple vehicles, a fleet policy could make things easier and more affordable.