Fleet Insurance for Care Homes,
Schools & Community Transport
We specialise in insuring fleets for operators that comparison sites and call centres don't understand. Duty of care, Section 19/22 permits, volunteer drivers, we know your world.
The Sectors We Serve
Specialist fleet operators
who need more than a quote
Care Homes
Minibus fleets for resident transport. Mobility accessibility requirements. Duty of care obligations. We understand the complexities.
Community Transport
Section 19 and 22 permit operators. Volunteer driver programmes. Non-profit transport providers. We know the regulations.
SEN Schools & Nurseries
Specialist transport for children with additional needs. Safeguarding obligations. Driver DBS requirements. Properly covered.
Charities & Social Enterprises
Non-profit vehicle fleets. Volunteer-led transport. Mixed ownership models. We work with your structure, not against it.
Private Nurseries
Collection and drop-off transport. Staff driving personal and company vehicles. Parental duty of care expectations fully covered.
Community Organisations
Village halls, community centres and faith groups with minibuses. Simple, properly structured cover without call-centre service.
THE PROBLEMS WE SOLVE
What brings fleet operators
to Exodus
Call centre service
You've been put through to someone who's never heard of a Section 19 permit and needs to "check with a colleague."
Renewal surprises
Premium doubled at renewal with no explanation. New exclusions you didn't know about. No warning call from your broker.
Claims disputes
Something goes wrong and your insurer disputes the claim. The very moment you need support most, it disappears.
Volunteer driver confusion
Are your volunteer drivers actually covered? Many operators assume yes. Many are wrong. We make sure before, not after.
Duty of care gaps
Your passengers have complex needs and vulnerabilities. Standard fleet policies often don't reflect that responsibility.
Treated as standard fleet
A care home minibus is not the same as a white-van fleet. Brokers who treat it the same get the coverage wrong.
Ready to get started?
What we arrange for fleet operators
Minibus & Accessible Vehicle Insurance
Properly structured for vehicles used to transport vulnerable passengers, including wheelchair-accessible vehicles.
Volunteer Driver Cover
Correctly structured cover for volunteers using their own or organisation vehicles — often missed by standard policies.
Section 19 & 22 Permit Compliance
We understand the permit requirements and ensure your policy is structured to comply with them.
Employers & Public Liability
Combined with fleet cover to provide complete protection for care and transport operations.
Driver Risk Management
Advice on driver policies, DBS checks, licence monitoring and risk management that keeps premiums manageable.
Claims Support
Direct broker involvement when a claim happens, not a call centre. We know your policy and we handle it with you.
get started
Find your coverage gaps free.
Our free 2-minute risk review identifies where your freight cover may fall short, before a claim does.
Specialist freight liability and fleet insurance. Redhill, Surrey.
Email: [email protected]
Phone: 07725 657859
quick links
Business hours
monday: 8am - 5pm
tuesday: 8am - 5pm
wednesday: 8am - 5pm
thursday: 8am - 5pm
friday: 8am - 5pm
Copyright 2026. Exodus Brokers. All rights reserved.
Exodus Insurance Brokers is a trading name of Samuel Kofi Appau-Kwateng, an appointed representative of Momentum Broker Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.
