Fleet Insurance

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Fleet Insurance

If your buiness has a number of vehicles and employees, you can find significant savings in terms of time and expenditure by taking out a fleet policy compared to individual policies for each vehicle.

Can any employee drive any vehicle?

It depends. Most fleet insurers offer the option to cover any driver over a certain age, often 25 or 30. There is sometimes additional criteria such as the number of penalty points on a drivers licence. If you have a relatively small number of employees and low staff turnover you may find it cost effective to choose named driver cover.

What about young drivers?

If your business has young drivers you have two common solutions. If you want ultimate flexibility you could request any driver cover with no age restriction, or a low age restriction such as 21 years, but this will generally attract a high premium so is only suitable if you have a large number of young drivers. Alternatively, many insurers will let you name individual young drivers on the policy if you were to choose for example any driver over 30 cover. If you only have a couple of young drivers this will normally be more cost effective.

Do I still get No Claims Bonus?

Fleet insurance doesn't normally work on no claims bonus, instead insurers normally look at your claims history, usually referred to as claims experience. However, if you're transferring from individual policies to a fleet policy most insurers will take your no claims bonus into account.

Tips for Fleet Insurance

Decide on Any Driver vs Named Driver

Depending on how many employees you have it's worth weighing up the cost vs benefit of any driver cover compared to named driver cover.

Invest in a dashcams

It's almost inevitable that sooner or later one of your vehicles will be involved in an incident. By investing in dashcams, in the event of an incident that isn't your employees fault you'll be able to provide evidence to ensure a claim doesn't end up being settled 50/50 or going against you entirely.

Consider individual policies

If you only have a handful of vehicles and don't need the flexibility of any driver cover you may find individual policies can provide a cost saving.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Fleet Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your information, name, address, business, etc – this tells the market about you.

2
Provide your requirements

What are you looking to cover, the vehicles and who will drive them.. You can also select the level of cover – Comprehensive or Third Party, Fire and Theft?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Breakdown? This can all be amended before selecting your desired policy.

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