Multiple Fleet Insurance Quotes
Phoned back within minutes. Gave me a good quote that I was able to proceed with. Saved me £70 on my normal insurance
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:
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:
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
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 resulting from an accident.
Third Party Fire &Theft
Third party is the legal miniumum with fire and theft being an added optional. This may be a cost effective approach for large fleets that can self insure and still save on insurance costs.
Typial Fleet Policy Exclusions
Be aware that most polices will have condons that will exclude you making claims these may include theft of the vehicle if left unattended with keys in ignition, tyre replacements and mechaniacl brekdown are ypical exmaples.
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.
Compare Broker 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. Then 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 easy to compare the offers that you receive. We have listed the key areas of comparison below:
Steps that can lead to lower Insurance Costs
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. 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.
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.