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For small businesses and larger enterprises alike, insuring a number of different vehicles can be a necessity. This process can often be made easier, simpler and cheaper by opting for motor fleet cover to insure all vehicles together.
Motor fleet cover, also known as fleet insurance, is a single insurance policy taken out by a business to cover multiple vehicles and drivers.
Construction companies, couriers, businesses with travelling sales teams and taxi companies are the types of organisations who often require this type of commercial insurance. It might also be taken out by organisations who provide company cars for their employees or keep pool cars that are used by employees as company vehicles whenever needed.
Choose the best policy for your business using our comparison tool and start saving today.
Insuring your vehicle is a legal requirement, but instead of juggling multiple policies, businesses can take out a single commercial fleet policy. This means you’ll have just one insurance policy covering every vehicle in your fleet, reducing your admin and giving you more time to spend on other areas of your business.
Fleet insurance isn’t just for businesses with hundreds or thousands of vehicles in their fleet. Different insurers define a fleet in different ways, but you will be able to find fleet policies to suit your needs even if your business has a few as two vehicles.
However, it’s important to consider that this type of policy typically doesn’t offer no claims discounts. If you only have a few vehicles in your fleet, it might be cheaper to take out individual policies to benefit from no claims discounts on one or more of your vehicles, rather than a single policy without a discount.
Van fleet insurance
For vehicle fleets made up of vans, minibuses, coaches or lorries, specialist van insurance is probably a good option for you.
Commercial fleet
Fleets consisting of cars or other vehicles carrying goods or vehicles carrying passengers who pay fares may find commercial vehicle insurance the most appropriate option.
Taxi fleet insurance
Taxi businesses will usually find that specialist taxi insurance provides the best cover to protect your assets.
Haulage or HGV fleet
If your vehicles are used to transport goods over long distances, haulage fleet insurance may be the best route for you to take.
The first thing to consider when looking at a fleet policy is the level of cover you need. Like standard car insurance, there are three basics levels:
The maximum amount of cover and generally the most expensive type of insurance, a comprehensive policy covers you for:
Typically providing mid-level cover on your vehicles and usually within the middle of the price range, a third party, fire and theft policy covers you for:
The minimum insurance required in the UK, providing the lowest level of cover and usually the cheapest, a third party only policy covers:
One big advantage of commercial vehicle fleet insurance is that it can be tailored to your company’s requirements. Here are some factors to consider when choosing what you need from your insurance:
Depending on who is driving, you could require private use cover. Are your vehicles driven by your employees in a private capacity? Do friends and family of your employees drive your vehicles? If so, you will need to have private use cover on your fleet policy.
If your employees are tradesmen who need to transport tools or equipment in the vehicles to carry out their work, your fleet policy may need to have carriage of own goods coverage.
Personal effects cover is an optional extra for covering your drivers’ goods and possessions when they are in your vehicles.
To protect your business against claims made by members of the public or employees if there is an accident or incident involving your vehicles, public liability insurance and employee liability cover may be a good addition to your fleet policy.
For cover in case a third party makes a compensation claim against you, make sure you have legal expenses cover. Sometimes this is included as standard by insurers, but sometimes it’s offered as an optional extra.
Do your vehicles tow trailers or caravans? If they do, you should consider fleet insurance that includes towing policy cover.
There are a number of considerations to make about how you insure your drivers, but you’ll be able to find a policy to suit your needs using our online comparison tool.
With standard vehicle insurance, you are usually required to inform the insurer who will be driving the vehicle. However, when insuring a fleet, most policies recognise that many people may be driving your vehicles.
Anyone with the permission of your business to drive one of your vehicles will be covered by your policy, but you may be able to reduce your premium by placing certain restrictions on who can and can’t drive your vehicles.
If you have a large fleet with drivers changing vehicles frequently or a business where employees could be driving any of a number of vehicles, it makes good sense to have business insurance with ‘any vehicle’ or ‘any driver’ cover.
This may not be the cheapest option in the short term, but the flexibility could save you money in the long run. Fleet policies covering any driver or vehicle mean you’re unlikely to discover you’ve accidentally invalidated your insurance on a cover that’s too specific when making a claim.
Your insurance provider will keep a record the claims on your policy, and you should keep track too, so you can analyse the data.
Is one employee making a high number of claims? Do you claim for the same type of incident each time? When you identify trends, you can take action to reduce them, which could help to reduce your fleet premiums too.
Taking the time to tailor the insurance to your precise requirements could save you money in the long run.
The maximum level of cover on your fleet insurance is unlikely to be the cheapest option. However, if the value of your fleet is relatively low, third party car insurance might actually be the best option for you.
Choices to improve safety, security and monitoring will usually be looked at favourably by insurers, who may offer cheaper deals and reduced premiums.
You can take simple steps to remove hazards and improve the conditions for drivers, which will reduce the risks of accidents.
Choices to improve safety, security and monitoring will usually be looked at favourably by insurers, who may offer cheaper deals and reduced premiums.
Find the policy that’s right for you using our online comparison tool. We’ll provide a range of results with fleet insurance that are suitable for you. Choose the policy that is best for your business and start saving today.
