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What is Fleet Insurance?
Fleet insurance enables you to purchase cover for all your commercial motors under one easy to manage policy. This type of cover is flexible and can be used to insure for example:
Typical Business Types That a Motor Fleet Insurance Policy is Suitable for
If you need more than 1 vehicle to operate your business, then most likely you will qualify for fleet cover, some of the most common business models include:
In summary, practically any business that relies on a fleet which is more than one vehicle to conduct their business can take advantage of this type of cover. Apart from business use families with multiple cars can also apply for family fleet insurance which should be both cheaper and easier to manage than separate policies.
Types of Motor Fleet Insurance Available
Some steps to reduce Insurance Costs
What is Driver Risk Assessment?
By law your business must carry out a risk assessments. In the case of a new driver you need to check the drivers experience and provide any additional training required. The additional training should enable the new driver can carry out any driving duties without making mistakes or causing accidents that could have been avoided. One way to view risk assessment of new drivers is as a means to reduce accidents and in the process reduce avoidable costs.
Get the Governments Pass Plus Certificate
This a practical driving test introduced by the UK government that takes at least 6 hours. Check with any perspective insurance broker if they offer a discount for having gained this certificate. Not all insures offer this discount so do shop around to find the ones that do.
Don't over insure
Always check what is included in your policy as you may find that your have cover that your business does not need. Removing any such items will bring down costs. At the same time you do not need to be careful that you do not omit cover that is required or skimp on the level of cover leaving yourself or your business under insured.
Also termed "fully comp" this is the highest level of cover and includes the above, but also covers your personal or business costs resulting from an accident.
When purchasing cover for your vehicle fleet do take time to consider other aspects, for example does it include cover for driving in Europe or further abroad? Do you require breakdown cover or goods in transit cover to be included? These are all important questions that should be considered prior to the purchase of your sole trader or company policy.
On some items such as windscreen repair and breakdown cover it may be cheaper to deal direct a nationwide service provider than add direct to your company fleet insurance policy.
Can telematics reduce your fleet policy premium?
A small device is added to your vehicle, that will record driving habits. Examples of driving data recorded.
This type of data enables the fleet manager to identify areas in which driving can be improved by simply providing additional training. To help get your drivers on board involve try some of the suggestions below:
Some of The Rewards That Can Be Achieved
All our intelligence suggests that monitoring by telematics is increasingly accepted . . . as a fact of life and the benefits more fully understood,
Ralph Morton, editorial director of Business Car Manager
Telematics can reduce your premiums
Being able to substantially reduce the number of claims made against you fleet insurance policy puts you in a strong position at renewal time. This can be used as leverage to negotiate a reduction in your fleet costs. Why? The premium cost is partly based on the number of claims that have been made against your current or previous policy.