Mini Fleet

Flexible e-traded motor insurance for businesses. New buyers get cover for 2-15 cars and vans, increasing up to 20 at mid-term adjustment and renewal.

Motor Fleet Insurance 2023 Defaqto rating

Insurance rated by experts

Defaqto liked our Mini Fleet motor insurance policy so much they gave it 5 Stars!

Mini Fleet product closure

This product will be closing from 1 June 2023.

Both new and renewal business will be affected. Existing customers will hear from us shortly but, for now, please refer to our FAQs for more information.

Big cover for small fleets

Mini Fleet is our e-traded motor insurance for cars, vans, trailers, forklifts, and trucks up to 44 tonnes. It’s designed for fleets of between 2-15 vehicles for new buyers, rising to 20 at mid-term adjustment or renewal.

White vans parked in car park

Why choose RSA?

Our Mini Fleet product offers a wide range of flexible cover options and useful features, including recommendations for managing risks to improving business fleet performance. Our dedicated RSA Priority Repair Network (RPN) means vehicles are back on the road as soon as possible, offering a fast, efficient, and reliable service. On top of this, we offer a lifetime guarantee on repairs. The product is designed for small fleets of between 2 and 15 vehicles for new clients, rising to 20 vehicles at mid-term adjustment or renewal.

Risk appetite and cover

We offer a range of cover options, useful features, and a fast and efficient claims team. Find out more about our risk appetite by exploring the tabs below.

  • Unlimited cover for death or bodily injury of any persons (including passengers)
  • Loss of or damage to material property up to £20m for cars (£5m all other vehicles)
  • Replacement locks up to £2,000 in the event of keys being lost or stolen
  • Legal assistance plan – up to £100,000 for legal expenses related to the recovery of uninsured losses
  • Territorial limits of the policy include EU and extended EU countries
  • Unlimited cover for death or bodily injury of any persons (including passengers)
  • Loss of or damage to material property up to £20m for cars (£5m all other vehicles)
  • Replacement locks up to £2,000 in the event of keys being lost or stolen
  • Legal assistance plan – up to £100,000 for legal expenses related to the recovery of uninsured losses
  • Territorial limits of the policy include EU and extended EU countries
  • Unlimited ‘new for old’ cover for the cost of a replacement vehicle within 12 months of first registration
  • Personal accident – up to £5,000
  • Medical expenses – up to £250
  • Personal effects – up to £250
  • Tools – up to £500 on any one claim
  • Breakdown – available in four options for cars and goods carrying vehicles under 7.5 tonnes gross vehicle weight
  • Flexible commission – reduce to as low as 0% or increase to a maximum of 20%

We have outlined some examples below where we have particularly strong expertise.

  • Fleets of between two and six vehicles (at our most competitive)
  • Companies with experienced drivers and clean licences
  • Companies based outside of major urban areas
  • Risks which have been previously fleet rated
  • Risks which use risk management tools (e.g. telematics and cameras)

The following risk features are set values within the trading platform. If the information you enter sits within the below parameters, the platform should allow ‘straight through trading’ – saving you time.

  • Private cars that market less than £75,000 in value and vans (goods carrying vehicles) less than £50,000
  • Driving restricted to those over 25 years of age, with a clean licence
  • Where the Policyholder has previous claims experience, we prefer those with a low claims frequency
  • Policyholders with no previous Fleet Insurance are acceptable, however we limit those with previous NCD (no claims discounts) to 2-6 vehicles at inception, and those with no claims history to 2-3 vehicles
  • No history of large losses (rules triggered by size of fleet)
  • Vehicles used for social, domestic or pleasure (SDP), commuting and carriage of own goods only
  • Vehicles insured on a fully comprehensive basis
  • Vehicle mix is predominantly private cars and small vans
  • Forklift trucks must be road registered (where applicable)
  • Utilisation of RSA’s Priority Repair Network (PRN)

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

  • Young drivers aged 17-18 years old at new business
  • Any element of hire and reward – including courier, haulage and private hire risks
  • Risks which include motor trade, airside or hazardous exposure
  • Fleets which have a high claims frequency and/or multiple large losses
Insurance document and laptop

Our claims service

We understand the impact a motor claim can have on your customer’s business. That’s why our dedicated teams will provide a fast and efficient claims service to get people and businesses back on track as quickly as possible.
Find out more about claims
Haulage fleet vehicles

Mitigating risk

We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests. From vehicle accumulation to fleet risk mitigation, you can help your customers put in place a comprehensive risk mitigation programme by supplying them with a wide range of content created by our risk experts.
Find out more

Documents and downloads

View and download policies, fact sheets and more.

Man securing transport vehicle

How to trade with us

For fleets between 2 and 15 vehicles, you can e-trade quickly and efficiently.
Buy online