Mini Fleet
Flexible e-traded motor insurance for businesses, covering 2 to 15 cars and vans.
Mini-fleet product closure
This product closed on 1 June 2023.
Both new and renewal business will be affected. Existing customers will have received a communication from us about their policy. 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 to 15 vehicles.
Our Mini Fleet product offers a wide range of flexible cover options and useful features. Options include recommendations for managing risks to improving business fleet performance.
Our dedicated RSA Priority Repair Network (PRN) means vehicles are back on the road as soon as possible. We offer a fast, efficient, and reliable service, plus a lifetime guarantee on repairs.
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
Our claims service
Mitigating risk
Documents and downloads
View and download policies, fact sheets and more.