FCA authorised specialist insurance brokers since 1990 · Mon–Fri 9am–6pm · 0208 909 2899

Fleet insurance that actually manages risk

Most fleet policies just transfer risk to an insurer. We go further — combining competitive fleet insurance with proactive risk management to reduce your claims, lower your premiums and protect your drivers. From three vehicles to three hundred, we build programmes that work.

Who we cover

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Small Fleets

3–10 vehicles. Flexible cover tailored to your business needs with access to telematics and driver training programmes to reduce risk from day one.

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Medium Fleets

11–50 vehicles. Bespoke risk management including claims support, driver monitoring and dedicated account management for superior outcomes.

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Large & Complex Fleets

50+ vehicles. Enterprise-level programmes with integrated telematics, dedicated claims teams, multi-vehicle discounting and strategic risk reduction.

What we cover

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Comprehensive Fleet Cover

Full third party, fire and theft protection with optional accidental damage. Rates negotiated through our specialist insurer panel with no hidden exclusions.

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Goods in Transit

Protect cargo and goods carried by your vehicles. Optional cover for theft, damage and loss during transit.

⚖️

Motor Legal Expenses

Legal representation and defence costs for uninsured losses, including legal disputes and uninsured driver claims.

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Breakdown & Recovery

24/7 roadside assistance and vehicle recovery. UK and European breakdown cover to keep your fleet moving.

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Hired-In Vehicle Cover

Automatic cover for temporary or replacement vehicles when yours are in the workshop or undergoing maintenance.

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Excess Protection

Reduce your excess on comprehensive and third party claims with optional excess waiver protection.

Why choose Forum

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Risk-Led Approach

We analyse your fleet's behaviour, claims history and operational patterns to build programmes that actually reduce risk — not just transfer it.

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Telematics Integration

Real-time vehicle and driver monitoring. Identify risky behaviour early, reward safe drivers and reduce claims before they happen.

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Driver Training Programmes

Develop safer drivers through structured training. Reduce incidents, improve customer experience and lower your insurance costs long-term.

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Claims Management

Dedicated claims support when you need it. Fast processing, fair settlements and proactive guidance to get your fleet back on the road.

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Trusted by UK businesses

★★★★★
Based on 3,000+ client reviews

Frequently asked questions

What's the minimum fleet size you cover?

We cover fleets from 3 vehicles upwards. Small fleets benefit from the same risk management approach as larger ones — competitive premiums, telematics options and driver training programmes tailored to your size.

How does telematics work and do we have to use it?

Telematics gives real-time visibility into vehicle location, driver behaviour and road conditions. It's optional but recommended — most clients see 10–20% premium reductions and measurable improvements in safety and efficiency. We can advise on the best systems for your fleet.

Can we use driver training to reduce our premiums?

Yes. Driver training is one of the most effective ways to reduce claims and premiums long-term. We can structure programmes around high-risk behaviours identified in your fleet data and adjust your insurance accordingly.

How does grey fleet fit into this?

Grey fleet (employee personal vehicles used for business) requires separate cover. We can advise on statutory limits, employer liability and how to integrate grey fleet into a broader fleet risk programme.

Does fleet insurance cost less than individual car policies?

Fleet policies usually cost significantly less per vehicle than individual policies, especially from 5+ vehicles. You also benefit from centralised claims handling, easier administration and better rates for fleet risk management.

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier