Identifying the risks – Fleet Insurance

Fleet insurance - Identifying the risks

As with all area’s of your business, there are risks involved with owning a fleet of vehicles – here we expand on those risks and how you can mitigate those potential risks.


Fatigue is one of the most common causes of car crashes.  Too little sleep and long hours on the road can cause drivers to be over tired leaving them open to falling asleep behind the wheel.  Make sure you take care of your employees!

Mechanical Failure

To ensure you minimise the risk of mechanical failure it important to have your fleet serviced regularly to avoid the risk of costly breakdowns.

Inclement Weather

The weather in the UK is changeable and unpredictable for most of the year!  Varying conditions can significantly affect driving conditions, decreasing visibility, debris falling into the road from winds or slick road surfaces.

Distracted Driving

Everyone is so busy these days and it’s easy to see how colleagues can get distracted while driving.  Catching up on phone calls between appointments, fiddling with the sat nav, changing the radio – all of these activities can distract the driver from paying attention to the road and other road users.

Road Rule Breaking

Any nonadherence to the road rules always involves unnecessary risk – this can range from driving over the speed limit to using a mobile phone.  There are severe penalities for road users who break highway code rules.

Under or inadequately insured fleets

Never cut corners!  If your business is inadequately insured you could be held liable for costs and fees in the event of an accident – make sure your policy will cover it happens.  

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