Your policy – your choice!
Fleet insurance is a must if your business own’s more than 2 vehicles. It will undoubtedly make life easier and simpler for the person who looks after your fleet, freeing up their time and making your business more efficient. A fleet policy will be more robust and flexible than a standard motor insurance policy, allowing quick and easy changes to vehicles covered and reducing driver restrictions.
Although more flexible, the general range of cover still applies:
- Third Party only
- Third Party fire and theft
- Comprehensive
Each type of cover still carries excess and this will vary depending on the type of work your business does and the it’s level of risk. This is calculated based on the fleet’s previous claims over the last 3-5 years and current market trends.
As your fleet of vehicles may consist of 2 or 200 vehicles a fleet insurance policy will offer you a selection of extensions to accommodate the difference vehicles your business may own. These can include:
- Replacement locks following loss or theft of keys
- Vehicle recovery and redelivery
- New vehicle replacement
- Occasional business use
- Replacement locks
- Personal accident
- Medical expenses
- Personal effects
- Legal protection
- Trailers
Of course, this list isn’t comprehensive, which is why we encourage you to speak to our Fleet specialists to discuss your business needs in more detail.
As with your personal motor policy, there are of course exclusions which include (not exclusive):
- Loss of use not covered by courtesy car arrangement
- Wear, tear and depreciation
- Mechanical breakdown repair costs
- Loss of vehicle through deception
- Tyre damage through normal use
- Keys left in the vehicle
- Pollution
Motor fleets are a diverse group, they can include anything from food delivery vans to multi-national companies. We encourage you to discuss your business requirements in more detail with our professionals to safeguard your motor fleet for years to come.
