Commercial Fleet

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What is Commercial Fleet Insurance good for?

Fleet insurance is essentially a multi-vehicle insurance policy covering the different types of vehicles your business owns and uses for commercial purposes. It’s available to any registered business with two or more company-owned vehicles within its fleet.

This type of insurance is a great way of managing your business vehicle insurance obligations within a fleet because it condenses all your vehicles’ cover into just one policy. That way, when it’s time to renew, you only have to update one policy; regardless of how many vehicles your company has in service.

Who is Commercial Fleet Insurance for?

Whether your operation consists of a few vehicles or a fleet of vehicles, we can provide the proper coverage for you. Here are just a few of the optional coverages you can purchase to help tailor a policy to your operation:

Typically, these fall into three categories:

1.    Third party only

If you opt for third party fleet insurance only you'll be covered for third party damage to another driver and/or his or her vehicle. This is the cheapest form of fleet insurance and the minimum amount of legal cover required for fleet businesses to operate. While less expensive than other types of fleet insurance, this policy does not pay out for damage to your own vehicles and drivers. Therefore, in the event of an accident, you would be liable for any repairs to your own vehicles.

2.    Third party, fire and theft.

Third party, fire and theft, fleet insurance, offers you a higher level of protection than just third party alone. While there's no legal requirement for this policy, the addition of fire and theft means you‚Äö√Ñ√¥ll be able to make a claim if a vehicle in your fleet is stolen, or sustains damage as a result of a fire. This policy type also covers you for any injury or damage to third parties in the event of an accident.  

3.    Fully comprehensive

Fully comprehensive fleet insurance is the most advanced form of cover on the market and consequently the most expensive of the three policy types. If you elect for fully comprehensive fleet insurance you’re protecting yourself against all of the above (theft, fire and third party) but also covered for damage to your own vehicles and drivers.

Why would I need Commercial Fleet Insurance?

From the ability to lower insurance premiums for your vehicles, to reducing office admin, taking out fleet insurance offers businesses a range of attractive benefits, in addition to peace of mind:

Just one policy to cover all business vehicles

With fleet insurance you can insure every vehicle in your company’s ownership on just one policy, regardless of vehicle type. This means that even mixed-use vehicles can be insured together, without the need to take out individual policies for every vehicle in your fleet.

One policy renewal date

Insuring every vehicle in your fleet on the same policy means you only have to deal with one policy renewal date. This is especially beneficial in businesses with a large number of vehicles on the road as it significantly reduces admin time, freeing up resource to focus on other areas of your business.  

The possibility of cheaper premiums

Choosing to take out fleet insurance can work out cheaper than individually insuring vehicles within your fleet. If one of your vehicles is involved in an accident, an insurer may choose to spread the cost of any claim made across all vehicles, subsequently lowering the premium you pay.

What does Commercial Fleet Insurance cover?

Fleet insurance extends to all classes of vehicle owned and operated by your company for its business operations. This includes any company-issued cars your employees use for work journeys, as well as taxis, motorcycles, minibuses, HGVs, trucks and even plant used on construction sites.

Providing all the vehicles you want to insure are registered under the same business ownership they'll qualify to be included as part of a combined fleet insurance policy.

What does Commercial Fleet Insurance not cover?

Here are some things you can do to help ensure your coverage stays valid:

  • Your vehicle must be rated correctly. It's important that you tell your broker how you use your vehicle (your rate class), and who will be driving it most of the time.
  • If you have a claim, provide correct information.
  • Never drive if your driver‚Äö√Ñ√¥s licence is expired or suspended, and make sure that anyone who drives your vehicle has a valid driver's licence.
  • Don't drive when you're impaired by alcohol or drugs.

Remember, your Basic Autoplan insurance only covers you in Canada and the U.S.

Why buy your Commercial Fleet insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? In just simple clicks you can have your policy!


We know the cost of insurance is a big factor for many, and that's why we keep our rates low and affordable for all. We work harder to earn your business.


At Kovr, our specialists are not only committed to give you the best experience digitally, but we are also available 24/7 to help with any concerns!


Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.

What does Commercial Fleet cost?

Enhanced Care started on May 1, 2021 and benefits all B.C. drivers. Here's how it works if you're renewing your policy on or after that date:

  • Your premium will be based on the new, lower rates of Enhanced Care. That means you'll see savings on your entire policy term.
  • The amount of savings depends on a number of factors, including coverages you buy, your listed drivers, the type of vehicle you drive, and more.
  • You may also be eligible for a one-time, pro-rated refund.
  • Your refund amount will be the difference between what you paid when you last renewed and the new, lower cost of Enhanced Care for the amount of time your policy extends past May 1, 2021.

Suggested coverages for Commercial Fleet Insurance?

Below are 10 of the more common auto insurance claims you've probably filed:

  • Rear-end crash. No matter the cause, this type of collision will always be your fault
  • Chipped or cracked windshield
  • Damage to a parked vehicle
  • Backing up accident
  • Vandalism
  • Hail damage
  • Single-car crash
  • Crash at an intersection

What's next?

The best place to start is speak with a licensed professional broker. InsureCert will connect you with a fully licensed broker that understands your business and will work with you to protect what's yours.

Ready To Save?

Call 1-800-557-3347