If you are a business owner with multiple vehicles, Fleet Insurance is a quick and easy way of insuring them under one policy. It is suitable for all type of business and vehicles, including cars, vans, trucks, taxis, minibuses.
Is car fleet insurance just for businesses?
The short answer is no. Both businesses and private vehicle owners can buy fleet insurance policies.
Fleet policies are typically flexible and can be adapted to your needs. For example, families or households with two or more vehicles can buy family fleet insurance. Like other fleet insurance policies, you can mix and match cars, vans and motorbikes.
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Key benefits:
Access to a Broad Range of Providers:
Coverage options from various insurers, MGAs, and wholesalers.
Competitive pricing and diverse policy options tailored to your industry.
Flexible Excess Options:
Variable excess amounts.
Customizable to fit your budget and risk management needs, potentially lowering costs.
Optional Driver Restrictions:
Ability to impose or lift driver restrictions.
Flexibility to manage risk by limiting coverage to certain drivers, reducing premiums.
Streamlined Underwriting:
Simplified application process with Statement of Fact transactions.
Less paperwork and faster policy issuance for quicker coverage.
Comprehensive Coverage for Various Fleet Types:
Adaptable policies for courier, own goods, haulage, and taxi services.
Tailored coverage to meet the unique needs of each sector.
Small Fleet Coverage:
Minimum requirement of two vehicles for coverage.
Accessible insurance for smaller businesses, ensuring even small fleets are protected.
Specialized Haulage and Taxi Coverage:
Specific coverage options for haulage and taxi fleets.
Tailored insurance for businesses transporting goods or passengers, ensuring compliance and protection.
Fleet Rated and NCD Rated Risks:
Covers both fleet rated and No Claims Discount (NCD) rated risks.
Flexible pricing models that reward safe driving records and good claims histories, potentially lowering premiums.
Customized Coverage Options:
Policies customized based on your business's unique needs.
Ensures all operational risks are covered, providing peace of mind and financial security.
Enhanced Risk Management:
Access to advanced risk management tools and services.
Helps implement effective risk mitigation strategies, potentially reducing claims.
Comprehensive Support and Claims Handling:
Dedicated support and efficient claims handling services.
Prompt assistance and resolution in the event of a claim, minimizing downtime and financial impact.
Summary:
Fleet insurance for various sectors, including courier, own goods, haulage, and taxi services, offers extensive benefits when sourced from multiple providers. Flexible excess options, optional driver restrictions, and streamlined underwriting make the process simple and tailored to your needs. With policies for both small and large fleets, specialized options for different operations, and accommodating fleet rated and NCD rated risks, you get cost-effective solutions. Enhanced risk management and comprehensive support ensure robust protection and peace of mind.
It’s worth remembering that not every fleet van insurance policy will provide the cover you need.
There are specialist kinds of van insurance tailored to different kinds of professional retail and trade business, so give us a call today and find out which policy is right for your business.
If you’ve got business fleet insurance but your drivers use vehicles for private use too, then make sure your policy includes domestic use as well.
To make sure your fleet of vans has the right level of insurance cover, we also offer a number of optional add-ons:
Breakdown cover will give you the reassurance that you can call for help if one of your vans breaks down while it’s out on a job.
Goods in transit insurance will provide cover for anything being delivered to customers, and tools insurance means you’re covered if your tools are stolen.
You can choose from three levels of cover when you’re taking out a fleet insurance policy:
Third party only (TPO) – this is the minimum level of cover you must have by law in the UK if you drive vehicles on public roads. It covers the cost of damage done to other vehicles, people and their property in the event of an accident but won’t pay to fix any damage to your vehicles or your property.
Third party, fire and theft (TPFT) – includes TPO and also covers the cost if your vehicles are damaged by fire or are stolen.
Comprehensive – gives you TPFT and also pays for damage done to your vehicles if they’re in an accident. Some policies will also include windscreen cover and pay to replace your belongings. This is usually the most expensive level of cover you can buy.
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