Fleet Car and Van Insurance Guide
According to a report in The Guardian in January 2013, car insurance premiums are expected to rise again this year from three per cent to 10 per cent following a sharp increase in the costs that insurers face. While this has hit the pocket of the average motorist, it has had an even greater impact on those with fleet car insurance or fleet van insurance.
Fleet insurance premiums may be rising but there are now a host of car and van insurance providers that will tailor their policies specifically for fleets: helping companies save money on their insurance and enjoy additional features.
Why is fleet insurance so important?
Car and van insurance are legal necessities in the UK: your drivers will not be able to get behind the wheel without them. Fleet insurance is designed to simply make life that little bit easier: by insuring all of your vehicles under one policy.
How many vehicles can be insured with fleet insurance?
Policies vary between providers. Some offer fleet car and van insurance aimed at small businesses: meaning they will typically cover three-five cars with their fleet insurance policies. Others meanwhile, will offer fleet insurance exclusively for large businesses: meaning you may need to have a fleet of 15 cars or more in order to qualify for the cover.
What cover options are included with fleet insurance?
Typically, fleet insurance will offer the same benefits as a traditional car or van insurance policy. However, you may also benefit from some additional cover features designed for fleet owners, such as:
- Detached trailer cover: Cover for your trailer in case it becomes detached while you are towing it on the road.
- Hazardous goods insurance: Insurance for any hazardous goods you may be transporting which are affected by an accident.
- Medical expenses cover: Assistance with the cost of any medical expenses needed to help an injured employee following an accident.
- Replacement vehicles: Most fleet insurance providers will offer a replacement vehicle for the length of time that your company car is off the road.
- Cover for driving abroad: Insurance for your cars or vans driven overseas: just check the level of cover that is provided for European travel as a comprehensive policy may be downgraded to third party cover on European roads.
How can you save money on fleet insurance?
Fleet insurance premiums will generally be based on the level of risk your fleet is deemed to pose: i.e. how likely you are to make a claim. As such, reducing the risk of an accident or vehicle theft is likely to reduce the cost of fleet insurance. Some steps you could take include:
- Advance security: Consider investing in security devices for your fleet such as Thatcham approved alarms, immobilisers and tracking devices.
- Discounts: Look for fleet insurance discounts: such as no-claims discounts for avoiding accidents; and online discounts for purchasing a policy online.
- Named drivers: If your drivers have a particularly good driving record without convictions then you may benefit from naming them to an insurer.
- Parking: Try and leave your vehicles in a secure car park or in a locked garage overnight where they are less likely to be targeted by thieves.
- Pay annually: You will generally benefit from paying for fleet insurance “up front” and avoiding interest charges.
- Planned driving: Avoiding rush hour and other periods during which accidents are more likely to occur may lower your premiums.
- Vehicles: Choose the vehicles in your fleet carefully. Generally, older vehicles with smaller engines qualify for lower premiums because they are less likely to be targeted by thieves and less likely to be driven at high speeds.
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At Arthur Marsh & Son we provide expert, impartial insurance advice, policies and risk management solutions to corporate and private clients. We offer both personal and commercial products, which include motor and fleet insurance, and we have access to all the major insurance companies and Lloyd's of London, and will ensure we offer you the most competitive premium. Motor Fleet Insurance can consist of all types of vehicles, from private cars, commercial vehicles, skip lorries, coaches/minibuses, agricultural vehicles and much more. With more than 10 years experience, friendly insurers and special schemes we can be your one stop shop for vehicle, liability, goods in transit and office/warehouse insurances. We are able to accommodate risks involving both UK and overseas movements, hazardous loads and have exclusive facilities for the owner operator and company fleets.
If you’re a business with three or more vehicles then the Autonet Fleet Insurance package is for you. A policy tailored to meet your requirements with a selection of cover levels designed to meet the requirements of you and your business. Why choose Autonet Fleet Insurance?Autonet Fleet Insurance package has three tiers of cover; Comprehensive, Third Party Fire and Theft and Third Party Only.For most fleet operators our fleet insurance will be flexible enough to meet your demands. You will also benefit from an Autonet Business Insurance advisor who will oversee your policy and be pleased to discuss your requirements with you.
Avis Insurance have been arranging commercial general insurance since 1983 delivering expert advice and guidance to our corporate and private clients. Avis Insurance have been arranging highly competitive fleet insurance for over 20 years. We can cover mini fleets from 2-5 vehicles and full fleets for more than 5 vehicles. We can mix vans and HGVs, UK and / or European use. We are particularly well known for our knowledge of the commercial vehicle, truck, skip contractors and road haulage markets for which we have arrange highly competitive products.
Bennett Gould & Partners Ltd are a specialist Lloyd’s insurance broker, part of a multi national reinsurance and risk solutions group, who operate on a unique regional basis to bring an unrivalled market presence to small - medium sized businesses who seek bespoke solutions for their insurance requirements. Offices in London, Cheltenham, Warrington and Weymouth. Wide range of personal and commercial products, including commercial vehicle insurance and fleet vehicles insurance.
As the dedicated fleet insurance intermediary of a large and respected group, Blagrove Fleet Insurance Services has the ability to deliver tailored solutions for a wide range of fleet insurance requirements at competitive premiums. At a time when fleet insurance premiums are on the increase clients benefit from the services of a fleet insurance specialist.
Located in Loughborough, Leicestershire, Blythin & Brown Insurance Brokers were founded in 1970. Over 40 years trading has allowed our brokerage to develop very strong relationships with some of the UK's most prominent insurers, including the Lloyd's Market, enabling us to offer every client a policy that is right for their individual needs. We provide a wide range business insurance solutions to our customers using a wide range of competitive products sourced from secure UK insurers. Motor fleet forms one of the core insurance policies of the majority of businesses and Blythin & Brown have access to some great motor fleet solutions, available for customers with as few as three vehicles, with no upper limit.
The Bollington Group has been established for over 30 years and is now one of the largest insurance brokers in the UK. Bollington Motortrade is one of the UK 's leading motor trade insurance intermediaries with branches around the country. Whatever your size or location, we can provide quick quotes, highly competitive premiums and instant cover. You will also receive dedicated year round account management offering insurance and claims advice whenever you need it.
As a specialist independent broker within the commercial insurance market Boothby Taylor Ltd provide policies from the market's leading insurers with cover tailored to meet your exact requirements. We are specialists in fleet insurance, offering policies covering from 2 to over 100 vehicles, covering cars to commercial vehicles including coaches and minibuses for both haulage or private use. We have access to a comprehensive range of market leading fleet insurers meaning a competitive price for you. We can arrange for all of your policies to have one common renewal date with a monthly installment payment plan meaning less administration.
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