Fleet insurance · Based in Macclesfield, serving the North West and beyond
Fleet insurance for businesses across the North West and beyond
Keep every vehicle on one policy with one renewal date, and one local broker who knows your business.
- Cars, vans, trucks and mixed fleets
- Small fleets welcome, from 2 vehicles
- Any-driver and named-driver options
Speak to Steve and the team
01625 682 765Get a quick quote
Four quick details and we'll call you back promptly during office hours, or on the next working day.
What is fleet insurance?
Fleet insurance puts all of your business vehicles on one policy, with one renewal date and one set of paperwork. For most businesses that is the point: chasing five separate certificates with five different expiry dates is a job nobody wants.
It is not only about admin. A fleet policy is rated on the fleet as a whole, which gives you room to add and remove vehicles during the year without rebuilding your cover each time. It also gives you a single claims history to improve, and a clearer picture of what your vehicles actually cost you.
Fleets vary enormously, from three vans and a car to a mixed operation with HGVs and specialist plant. We look at how your vehicles are used, who drives them, where they are kept overnight and what your claims record looks like, then approach insurers on our panel with a properly presented case.
Reviewed by Steve Milner, Cert CII · October 2026
A starting point for your cover
Which fleet insurance cover do I need?
Question 1 of 3
This is a quick guide, not advice. We'll confirm the right cover when we speak to you.
Who we insure
The businesses we work with
Trades and contractors
Cover for your commercial vehicles and onboard tools, with public liability arranged alongside.
Couriers and delivery
Cover for courier fleets, including goods in transit cover for multi-drop drivers.
Hauliers
Protection for HGV fleets, logistics operations and high-value cargo.
Construction
Cover for heavy plant, tippers and site vehicles.
Taxi and private hire operators
Bespoke multi-vehicle and fleet policies for taxi firms, private hire fleets and chauffeur services, including passenger liability.
Company car fleets
Flexible any-driver policies that keep your sales teams and company cars on the road.
- Couriers and delivery firms
- Construction firms
- Minibus operators
- Chauffeurs
- Vehicle hire businesses
Your cover
What can fleet insurance cover?
Every policy is built around your business, so yours may include some of these and not others.
Core cover
Comprehensive, third party fire and theft, or third party only
Pick the level that suits the age and value of your vehicles. Mixed levels across one fleet are often possible.
Any-driver or named-driver cover
Any-driver policies suit businesses where vehicles get shared, usually with minimum age and licence conditions. Named-driver cover can reduce the premium where drivers are settled.
Goods in transit
Cover for the equipment, stock or customers' goods your vehicles carry, not just the vehicles themselves.
Breakdown and recovery
Keeps vehicles moving, with roadside, recovery and onward travel options across the fleet.
Hired-in vehicles
Extends cover to vehicles you hire temporarily to handle a busy spell or to replace one that is off the road.
Telematics and dashcam options
Where insurers offer them, these can support a lower premium and make disputed incidents much easier to settle.
Levels of cover
Third party only
- IncludedInjury to other people
- IncludedDamage to other people's property
- Not includedFire damage to vehicles you're insuring
- Not includedTheft of vehicles you're insuring
- Not includedAccidental damage to vehicles you're insuring
Third party, fire and theft
- IncludedInjury to other people
- IncludedDamage to other people's property
- IncludedFire damage to vehicles you're insuring
- IncludedTheft of vehicles you're insuring
- Not includedAccidental damage to vehicles you're insuring
Comprehensive
- IncludedInjury to other people
- IncludedDamage to other people's property
- IncludedFire damage to vehicles you're insuring
- IncludedTheft of vehicles you're insuring
- IncludedAccidental damage to vehicles you're insuring
Optional extras
- Goods in transit
- Breakdown and recovery
- Windscreen
- Hired-in vehicles
- Telematics and dashcams
- Legal expenses
- Courtesy vehicle
- Trailers
- Public and employers' liability
Not usually covered
- Drivers outside the age or licence conditions
- Undeclared uses such as hire and reward
- Mechanical failure
- Vehicles left unattended with keys in
Cover is subject to the insurer's acceptance and policy terms.
How cover can help
Illustrative examples. Whether a claim is covered depends on your policy terms and the insurer's assessment.
Illustrative example
A new driver joins
A new starter needs to drive a van on day one.
Any-driver cover can allow this, within the policy's conditions.
Illustrative example
A van is written off
A van is written off mid-contract.
Hired-in vehicle cover can cover a temporary replacement while work continues.
Illustrative example
A disputed collision
A rear-end collision is disputed.
Dashcam footage helps establish what happened and can support a faster resolution.
How much does fleet insurance cost?
Every quote is individual, so we don't publish prices. These are the main things insurers look at.
What affects the price
- Number and type of vehicles
- Drivers' ages and experience
- How vehicles are used
- Location and postcode
- Overnight parking
- Fleet claims history
- Telematics
- Cover level
Ways to keep your premium down
- Driver training
- Dashcams and telematics
- A sensible minimum driver age
- Secure parking
- Active claims management
- Keeping the vehicle list accurate
What you'll need for a fleet quote
- Location and postcode
- Vehicle list (registration, make, model, value)
- Driver details or age policy
- How vehicles are used
- Claims experience for the last three to five years
- Overnight address and postcode
- Your renewal date
Don't have everything? We can help fill in the gaps.
Call us now, or request a callback and we'll call you back promptly.
01625 682 765How it works
Getting insured with M&B is SO simple
- 1
Tell us about your business
Fill in a short form or give us a call. We only ask for what we actually need to get started.
- 2
We do the legwork
We approach insurers on our panel and compare cover, not just price. We'll call you back promptly, or on the next working day.
- 3
You choose, we sort the rest
We explain your options in plain English, arrange your policy and stay with you for renewals and claims.
Why M&B
Why choose M&B for fleet insurance
Small fleets get proper attention
You do not need fifty vehicles to be worth our time. Many of our conversations start at two or three.
Mid-term changes handled quickly
Adding a van should take minutes, not days. Call or email us and we will get cover confirmed.
A renewal that is actually reviewed
We look at your claims, your drivers and your vehicle list every year, then go back to the market rather than letting it roll over.
Your broker
Steve Milner
Co-Founder & Director · Cert CII
Steve has over 20 years' experience in insurance, leading teams and departments at regional, national and global brokers. He's Cert CII qualified, started his career in Bollington and lives in Macclesfield with his family.
Steve leads a small team based together in our Macclesfield office, each with over 10 years' insurance experience.
“I want to build a broker that puts the customer at the heart of everything we do, with the personal touch and genuine service I feel is missing in the industry today.”
- Macclesfield local
- Over 20 years in insurance
- Cert CII qualified
FAQs
Fleet insurance questions
Get your fleet quote
Request a quote
Tell us a little about your business and we'll get to work.
Prefer to talk?
Call 01625 682 765, Monday to Friday, 9:00am – 5:00pm.
Related cover
Commercial insurance
Protect your business assets, premises and company vehicles against everyday trading liabilities and financial losses.
Get a quoteStill not sure which cover you need? Read our insurance FAQs or talk to the team.
Ready to make your insurance SO simple?
Speak to Steve and the team on 01625 682 765, or request a callback and we'll contact you promptly.