Motor Fleet Insurance

Finding the Right Fleet Insurance Policy

When you are looking for fleet insurance services, you need to know what kind of motor fleet insurance you actually need. Typically, you need fleet insurance for 3 vehicles or more, although some brokers only offer policies for more than five vehicles.

There are different requirements for cars than vans, for example, and the age of both your vehicles and drivers can influence the price of your policy. There are a few different types of vehicle and business that require specific features in order to be fully covered. These can include:

• Haulage Fleet Insurance
  If you operate a haulage company that transports goods like coal or waste, you will need insurance that covers what can be very expensive vehicles. The risk factors of carrying such heavy, and sometimes dangerous goods, are high, which is why haulage fleet insurance can be costly. However, the potential implications of having an uninsured fleet could be huge. HGV fleet insurance is the best option for full protection
• Multi-Vehicle Fleets
  If you have a fleet of many different kinds of vehicle (a mix of vans, cars and motorbikes for instance), you can get a policy that covers them all. This needs to be comprehensive as there will be different elements to insure for motorbikes than there will be for cars
• Van Fleet Insurance
  Some large plumbers, electricians and decorating companies utilise a fleet of vans to carry out day to day work, moving business-critical equipment back and forth to jobs. In in this instance, van fleet insurance is the best choice. You can include tool insurance as a feature, so if your van is broken into, any equipment lost can be replaced quickly

Other Types of Motor Fleet Insurance

There are a number of other types of motor fleet insurance that differ from the types shown on this page. You may want to insure a private or public hire taxi fleet, or perhaps your family has a large number of personal vehicles. Below are some alternative situations where a different type of motor fleet insurance would be neede3d.

• Private/Family Fleet Insurance
  If you want to insure a private or personal fleet, owned by several members of you family for example, you will need a different kind of fleet policy. Find out more about Family Fleet insurance.
• Taxi Fleet Insurance
  Of course, there are many more types of business that use vehicle fleets, such as taxi and minicab companies.
• Courier Fleet Insurance
  If you run a courier business, you can add all your delivery vehicles to one single policy. Find out more about Courier Fleet insurance
• Motor Trade Fleet
  If you have a fleet of motor vehicles in the motor trade business, you will need to take out Motor Trade insurance for your fleet.
• Removals Fleet Insurance
  If you run a removals company, you can insure your fleet of trucks or vans.
• Haulage Fleet Insurance
  Haulage fleets of any kind can be insured, even if you haul and move hazardous goods.
• Rental Fleet Insurance
  Rental fleets are even more at risk due to the varying nature of your customers driving ability.

Suggested Features for Fleet Insurance

Fleet cover can be as comprehensive as your business needs. The minimum level required by law is third party only (TPO), however with a fleet it is advisable to have your fleet insurance policy cover a number of other elements.

Fleet Insurance Any Driver

Some fleets are driven by different drivers every day. In this case, you should have any driver cover. This means that any one of the vehicles in your fleet can be driven by any one of your drivers whilst still enjoying the same levels of cover. Bear in mind that many insurers require drivers to be over the age of 25 and with clean licenses in order to issue any driver policies.

Public Liability Insurance

Drivers are faced with many risks on the road. From other vehicles, to pedestrians, to bad weather, there are any number of things that can affect your ability to drive safely. These risks are magnified when dealing with a fleet. Public liability insurance for your fleet will cover any costs associated with third party claims.

Replacement Vehicle Cover

Losing the use of just one vehicle in your fleet can significantly affect the efficacy of your business. One van could be the equivalent of many ‘jobs’, which leads to financial losses if they cannot be completed. Having replacement vehicle cover means the cost of a courtesy car or van will be covered, meaning you can keep your business running while repairs are being carried out.