From 1 to 20 vehicles - Minifleet has you covered

In the latest update to our Minifleet proposition shaped by your feedback, you can now place up to 20 vehicles at new business on our five-star rated Fast Trade platform, with the capability to accommodate up to 30 vehicles mid‑term or at renewal.
 

Minifleet provides one of the widest appetites in the market, from a single vehicle through to 20, with capacity to flex as your clients grow. The product spans specialist use cases, supporting special types (e.g., non-standard commercial, agricultural, and industrial vehicles) and agricultural vehicles.
 

Market leading

We’re proud to be one of the most established providers of Minifleet in the market, providing a wide range of benefits to support your and your clients. The proposition continues to be shaped by your feedback – for example, Aviva has accepted No Claims Discount (NCD) conversions for many years and offers a choice of  NCD and Confirmed Claims Experience (CCE) rating for two‑vehicle risks, helping you transition growing clients smoothly onto Minifleet while preserving rating stability and consistency over the long term.
 

Ease of trading

Beyond breadth of appetite, we continue to invest in making trading Minifleet easy. A recent development in this regard is that you can now cut‑and‑paste multiple registration numbers straight into the Fast Trade quote journey, making the quote process faster and easier, as well as leveraging third‑party data (e.g., Carweb) to keep the Fast Trade question set short and simple – while supporting fast, accurate pricing.
 

Additional enhancements to the journey further streamline quoting: for commercial vehicles over 3,500kg, Fast Trade now prompts for an Operator’s Licence number (with a direct link to the official gov.uk lookup) and prompts a UK‑registered vs. unregistered status for agricultural/plant/special types – reducing unnecessary Motor Insurers Database (MID) additions.
 

Flexibility

We've also enhanced both pricing sophistication and rating flexibility so brokers can match price to actual risk without blunt, policy‑wide adjustments. Drawing on relevant data points, such as MOT history and other personal consumer data, Minifleet pricing now better reflects how vehicles are driven and maintained, while rating factors can be set at individual‑vehicle level and driver‑specific terms, such as convictions, can be applied to the driver/vehicle most‑used combination rather than across the whole policy. The result is fairer, more accurate premiums, targeted terms where they’re needed and fewer unintended impacts on the wider fleet.
 

Rebecca Gambrell, MD, SME and Delegated Authorities, said:

“Brokers told us their SME clients want a Minifleet policy that grows with them, is simple to place and backed by consistent, long‑term pricing. We’ve listened and will continue to evolve our Minifleet proposition based on broker feedback, as well as the knowledge and experience we’ve built in this digital space across the last 14 years. For example, we’ve long-supported NCD conversions, alongside a choice of NCD or CCE on two vehicle fleets, so clients can scale without disrupting rating continuity. Expanding to 20 vehicles at new business, with the flexibility to move beyond that at renewal, is just the latest example of how we’ve built a proposition that brokers have trusted for years. Brokers tell us that placing Minifleet risks on Fast Trade is fast and easy. With a streamlined, data‑led journey and flexible rating, Fast Trade gives brokers the speed, clarity and confidence they need, making it a trusted choice for digitally trading SME risks."
 

_^.