Facilities management fleet insurance for mobile engineers and contract vehicles
Engineer vans, manager cars and site vehicles across every client contract on one schedule, with room to add and move vehicles as contracts start and end. Fill in one short form to be put in touch with specialist brokers who arrange fleet cover for FM companies.
- Hard and soft services on one schedule
- Vehicles allocated contract by contract
- Telematics and driver reporting
Facilities management fleet insurance in brief
Facilities management fleet insurance is one motor policy covering the vans and cars an FM company runs for its mobile engineers, supervisors and contract managers across client sites. It covers businesses delivering hard services such as building maintenance and plant engineering, and soft services such as cleaning, security and grounds, often with vehicles spread across the country. It is one of the larger fleets in our guide to fleet insurance for trades.
Because FM fleets change shape as contracts are won, renewed and lost, insurers focus on how vehicles are added, reallocated and monitored, as well as on the engineers behind the wheel.
How FM fleets are built
Who drives the vehicles in a facilities management fleet?
FM fleets usually combine engineer vans with cars for managers, which is why many are arranged as a mixed fleet policy covering cars and vans together. Each role uses its vehicle differently, and insurers like to see that split.
Contract by contract
When contracts change, how does the fleet policy keep up?
An FM company may mobilise a new contract with a fleet of liveried vans in a matter of weeks, then hand vehicles back when another contract ends. The policy needs to cope with that movement.
Starting a new contract
Vehicles and sometimes drivers join the fleet when a contract begins.
- Some insurers cover new vehicles for a short time before they are declared
- Staff transferring in from a previous provider need their records checked
- Liveried or client-branded vans may need declaring
Moving vehicles between contracts
Vans move from one contract to another as work shifts around the country.
- Overnight locations may change with the move
- Drivers may change too, so driver terms matter
- Keeping the schedule up to date avoids gaps
Ending a contract
Vehicles come off the fleet or go back to the leasing company.
- Removing vehicles mid-term can adjust the premium
- Lease return damage is usually a separate matter
- Claims tied to that contract stay on the fleet record
Large driver pools
How do FM companies manage hundreds of drivers?
With many engineers and supervisors driving, insurers look closely at how the business manages its people. Where engineers swap vans between shifts, any driver fleet insurance can avoid naming every driver, subject to age and licence conditions.
- Telematics: Trackers that record speed, braking and location, used by many FM firms for job reporting as well as driver safety.
- Licence checks: Regular checks on each driver's licence, often done online with the driver's consent.
- Driver handbook: Written rules on phones, fatigue, personal use and reporting damage.
- Claims reporting: Getting accidents reported quickly, often from an app or the telematics system.
- Contract reporting: Showing clients that vehicles and drivers meet the standards in the contract.
For fleets of this size, claims records and risk management often carry more weight than vehicle details. Large fleet insurance explains how that works.
Pricing
What do insurers look at when pricing an FM fleet?
FM fleets are priced on the business's claims experience and how well the fleet is run, as much as on the vehicles themselves.
- The claims record across contractsInsurers often study claims by region or contract to spot patterns.
- Size of the driver poolHow many people may drive, and how drivers are approved and checked.
- Vehicle mixEngineer vans, manager cars and any larger vehicles for grounds or waste work.
- Where vehicles sleepEngineers' homes, client car parks or regional depots.
- Tools and stock in vansParts, test equipment and power tools that are usually covered elsewhere.
- Risk managementTelematics, dashcams, driver training and how incidents are followed up.
- Excess structureLarger fleets often carry a higher excess per claim in return for a lower premium.
How it works
One quote form, specialist fleet brokers
Insure Fleet is an information site, not an insurer or a broker. We link you to MyMoneyComparison.com, a comparison service that gives businesses a gateway to brokers who arrange fleet insurance every day.
Start your quote
Get my fleet quote takes you to our partner, MyMoneyComparison.com.
Describe the FM fleet
The form asks about the vehicles, the work they do and who drives, so you can be matched with a specialist fleet broker.
Compare and decide
A broker contacts you with options, subject to insurers' acceptance criteria. There is no obligation to buy.
Before you buy
Questions an FM company can put to the broker
FM contracts often set out what the client expects from the fleet. These questions help match the policy to those promises.
- Can new contract vehicles be added at short notice?Mobilisation dates rarely wait for paperwork.
- Can certificates be issued per client?Some clients ask for evidence of cover on their contract.
- Who is allowed to drive?Named drivers, any driver and age limits all differ.
- How is telematics data used?Some insurers use it in pricing or after a claim.
- What excess applies across the fleet?A single excess or different levels by vehicle type.
- Are engineers covered for personal use?Vans taken home overnight may be used at weekends.
FAQs
Facilities management fleet insurance questions
What is facilities management fleet insurance?
It is a motor policy built for FM companies, covering engineer vans, manager cars and pool vehicles on one schedule. It sets out who may drive, the uses allowed and the level of cover, and it can usually be adjusted during the year as contracts change.
Can cars and vans go on one FM fleet policy?
Yes, most FM fleets mix the two. Each vehicle still needs the class of use that matches its job, so an engineer van carrying tools and parts is rated differently from a contract manager's car.
Are engineers' tools and parts covered by the fleet policy?
Not as a rule. Vehicle cover stops at the van itself and harm caused to others. Tools, test equipment and stock kept in vans are normally insured under a separate business or equipment policy, often with conditions for vans left overnight.
Does our FM fleet need employers' liability as well?
Employers' liability is a separate cover for injury to staff at work, and businesses with employees usually need it. Employers' liability insurance sits alongside the fleet policy rather than inside it.
Does an FM fleet cover cleaning teams too?
It can, if cleaning is one of the services delivered. Firms whose main business is cleaning, with crews and floor machines moving between commercial sites, are covered in more detail under fleet cover for contract cleaning businesses.
What about specialist subcontractors such as drainage firms?
Subcontractors usually insure their own vehicles. Drainage specialists with jetting vans and tankers often arrange drain clearance fleet insurance, and many FM companies ask to see evidence of it before work starts.
Does Insure Fleet sell insurance?
No. Insure Fleet is an information site and an affiliate of MyMoneyComparison.com, a comparison service that gives businesses a gateway to specialist brokers. When you start a quote you continue to MyMoneyComparison.com, and we may be paid a small commission if you are matched with and speak to a broker.
Ready to insure your facilities management fleet?
One form, specialist fleet brokers, no obligation.