About the policy

If you, your family or your business own more than three vehicles, it may be more beneficial for you to have a fleet policy rather than to insure them individually. Choosing fleet insurance can potentially reduce costs and simplify the management of your vehicles, such as giving you the convenience of just one renewal date every year rather than several.

At Lifesure, we also have access to a wide range of fleet policies (commercial fleet policies and family fleet policies) from some of the largest and most reputable insurance companies - and by carefully choosing only the best insurers in the market, you can feel confident that they have the financial means to pay when you need your insurance the most.

We take our partnering approach seriously too - continually monitoring all our partners for exceptional service.

Talk to us today to see how you can benefit from fleet insurance. Our experienced and knowledgeable team will help you find the right fleet policy for your needs, whether it is for personal or business use.

What does our fleet insurance cover?

Choosing the right insurance for your fleet of vehicles is so important with regards to protecting your financial investment as well as having a clear understanding about what you are and are not covered for. Our summary of key information can help you decide, and full details can also be found in the policy documents shown below.

What's covered

  • Cover is available for commercial fleets of vehicles as well as family fleet policies
  • A range of policies to meet your needs providing the cover you’d expect from a motor vehicle policy
  • The insurance companies we deal with offer a high level of customer service
  • A choice of optional extras so you can tailor your fleet policy

What's not covered

  • Please see our motor page if you want to insure an individual vehicle
  • Drivers who do not have a driving licence or are disqualified
  • Wear and tear
  • The product features will vary depending on the insurer that best meets your needs, these details are shown in full in your policy wording or speak to one of our advisers if you have any questions

Policy enhancements

  • Key cover - provides cover for the costs to repair or replace keys attached to the fob we send you in the event of damage, theft or loss
  • Vehicle excess protection - we will reimburse you for the excess on your vehicle insurance policy following a claim on your vehicle insurance
  • Substitute vehicle and legal expenses - provides cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
  • Motor breakdown (UK) - roadside assistance and recovery when your vehicle breaks down in the UK


Your policy documents include important information about how to make a claim. Your claim will be managed by our insurance partner who is committed to providing outstanding service when you need it most.

As an independent, family-owned business, giving you good old-fashioned customer care is important to us. Should you experience any difficulty progressing your claim, we’ll also be on hand to help.

What are your finance options?

Choosing the right protection for your fleet is important. Spreading the cost of your insurance can help make it more affordable.

Premium finance options allow you to pay in regular instalments. With flexible payment dates and online account management, credit agreements are also easy to renew, ensuring you’re always protected.

Close Brothers Premium Finance, our award-winning finance partner1, has been making it easier for people across the UK and Ireland to manage their money for over 40 years.

We believe in making insurance straight-forward and easy. When it comes to pay, you can choose from several options, please click here for details.

1 Insurance Choice Awards Winner 2018. Insurance vendor of the year

Useful articles about motor insurance

Take a look at our latest news and guides.