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  • UK and European Insurance Cover
  • Cars, Truck, Vans, Bikes , any Vehicle type
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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:

  • 2 or more cars
  • Cars,Vans and Motorbikes
  • Commercial fleets HGV, LGV, Vans and Cars  
  • Any Driver or Named drivers
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Business fleet types

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:

  • Sales Companies
  • Construction industry
  • Taxi Service providers
  • Short and Long Haulage
  • Private Hire
  • Food Delivery Services
  • Taxi Service providers

In practice any business that relies on more than two vehicle to conduct their business can take advantage of fleet insurance. Families with multiple cars can take advanage and apply for family fleet insurance.

What fleet Insurance can cover 

  • HGV Fleet cover is now available online. We compare multiple UK brokers online in minutes making sure that you get a wider selection of cover options.
  • Compare the cost to insure a small fleet of commercial vans,company cars, trucks, minibuses and many more vehicle categories including multi cover options. Select the get quotes button and receive quotes from specialist brokers. Read more about our multi van fleet insurance and how it can lower your insurance costs.
  • Find out more about multi car insurance and how it can be used to save money on your insurance bills. We have partnered with QuoteSearcher whose partners can help by providing multiple quotes

Types of Cover Available

Comprehensive Insurance

Also termed "fully comp" this is the highest level of cover and includes the above, but also covers your personal or business costs. 

Third Party Fire & Theft

Third party is the legal minimum with fire and theft being an added optional. This may be a cost effective approach for large fleets that can makes it cost effective to partly self insure

Typical Fleet Policy Exclusions

Be aware that most policies will have conditions that will exclude you making claims. These may include:

  • Vehicle theft due  to your negligence.
  • Damage to tyres or body underside.
  • Mechanical breakdown.

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.

How to compare fleet insurance policies

In order to make fair comparisons it is important to identify which core elements that you wish to be standard in your fleet policy. Next look at any additional types of cover that you wish to have included, for example breakdown cover. Taking this approach will help ensure that your policy quotes include only the items that you need. It should also make it easier for you to compare the offers that you receive. We have listed the key areas of comparison below:

  • The excess amount
  • Any driver age restrictions
  • Policy flexibility, by this we mean can you easily make changes once your policy goes live. This can be very useful for an expanding business.
  • How you will benefit at renewal time if you can keep your policy claims low 

Steps that can lead to lower Insurance Costs

  • Always advise your broker immediately of any accident
  • Reduce the number of claims that you make 
  • Select vehicles that attract lower premiums
  • Select drivers over 25 with a clean driving history
  • Secure your vehicles overnight
  • Add tracking devices
  • Increase the excess premium
  • Keep your fleet maintained

Fleet insurance quotes are tailored to your requirements

We understand that a standard fleet policy may need altered to meet with your specific needs.  As such we allow you to tailor your policy to include only what you need and exclude items that are unnecessary. One we receive your insurance requirements we can return a range of quotes from a wide range of insurers. This will enable you to find the provider that's right for your business.

Other approaches that may lower you policy premiums

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. With training new drivers can carry out any driving duties without causing avoidable accidents. One way to view risk assessment of new drivers is as a means to reduce accidents. Less claims equates to lower premium costs.

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 insurance brokers offer this discount so do shop around to find the ones that do.

Don't over insure

Always check what is included in your fleet insurance 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 need to be careful that you don't omit cover that is required. Be sure to take out a good level of cover for the items listed below.

  • Your medical costs
  • Fleet vehicle repair costs
  • Damage to your property