Fleet vehicle insurance is a single policy that covers multiple business vehicles under one agreement. It is suitable for businesses operating 5 or more vehicles and offers simpler administration, fleet discounts, and consistent cover across all vehicles. Fleet policies can cover heterogeneous fleets (different vehicle types) or homogeneous fleets (same type).

Most South African insurers require a minimum of 3–5 vehicles for a fleet policy, though this varies by insurer. For 1–4 vehicles, individual commercial vehicle policies are typically more appropriate. Fleet pricing usually offers a per-vehicle premium discount compared to individual policies.

Yes. Most fleet policies offer an "any driver" or "any licensed employee" clause, removing the need to name every driver. Insurers may apply age restrictions (e.g., drivers over 25) or require driving record declarations. Always confirm driver conditions with your FSCA-registered insurer.

Not by default. Fleet insurance covers the vehicles themselves. Goods-in-transit (GIT) cover is a separate extension that insures cargo during transportation. Businesses that deliver goods regularly should add GIT as an extension to their fleet policy.