What defines a "mini-fleet" policy in motor insurance?

A "mini-fleet" policy in motor insurance is specifically designed for businesses or individuals that require coverage for multiple vehicles but do not have enough vehicles to qualify for a standard fleet policy. This type of policy typically covers a limited number of vehicles, usually between two and five, and is restricted to specific types of vehicles, which are generally cars or vans.

The primary advantage of a mini-fleet policy is that it allows vehicle owners to obtain comprehensive coverage tailored for a small group of vehicles, simplifying the administration of insurance and potentially leading to cost savings compared to insuring each vehicle separately. This tier of coverage recognizes the unique needs of small business owners or individuals with multiple vehicles while ensuring that the policy terms are relevant to their circumstances.

By focusing on cars and vans, this policy provides a clear definition and scope, distinct from broader options that might include a wider range of vehicles. The other options presented do not accurately capture the targeted nature of a mini-fleet policy, as they either limit coverage to a single vehicle, include various vehicle types indiscriminately, or focus solely on commercial trucks, none of which align with the characteristics of mini-fleet coverage.