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Top Tip to Reducing Fleet Insurance Costs Come Renewal Time
Do you know your fleet’s claims performance?
Ask your current broker for a copy of the fleet owners authenticated claims experience? This question is a key question and when you ask for a copy from your current underwriter it will start a ball rolling leading to possibly reduced premiums come renewal time. You may be asking what is it? Within the insurance industry it is a standard form that details information on your fleet's performance over a period of 3 years (or less if a new business). The form contains all details of each fleet vehicle, of any claims made and the frequency the payments made by the underwriters to cover you claims plus any claims that are still pending. This form will also be requested by any future possible underwriter, but by just asking you can be sure it will set in motion concerns of losing your valuable business and hopefully to a reduced quote for your fleet insurance come renewal time!
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FAQ - Who Can Drive ?
This is a frequent question. You will find that most fleet policies are usually arranged on an Any Authorised Driver basis which means that anyone can drive with the permission of the company/directors. However discounts can apply if you start to restrict to named drivers or based on age (e.g. Any Driver over 30). If you include young drivers under 25 is likely to result in an increased policy excess.