Fleet Insurance

Even if it is no more than two or three vehicles, many businesses maintain a fleet of cars, vans or trucks. What is more, that fleet of vehicles is likely to play an essential role in normal day to day operations of the business – getting you and your personnel from one place to another or for the delivery of the goods and services your business provides.

Keeping the fleet up to its job – keeping the wheels turning – is one of the ways that the appropriate type and level of insurance may help your business. So, it may be helpful to take a closer look at fleet insurance:

What is fleet insurance?

What is fleet insurance?

  • in the same way that a motor insurance policy may provide the necessary cover for a single vehicle, fleet insurance provides cover for a number of vehicles;
  • fleet insurance is typically flexible and adaptable enough to provide cover for vehicles of several different types – cars, vans, other commercial vehicles and even the car you drive for your own domestic and recreational use;
  • making the most of that flexibility and adaptability might call for the input of a specialist broker in this kind of insurance – a specialist broker such as ourselves here at Specialist 4

What does fleet insurance typically cover?

What does fleet insurance typically cover?

  • with reference to the flexibility and adaptability you might find in the better kinds of cover, fleet insurance might cover practically anything you want it to cover;
  • not only are you likely still to have the choice of the level of insurance you need – from the basic legal minimum of third party cover, through third party, fire and theft, right up to fully comprehensive cover – but you might choose different levels of cover for individual vehicles in your fleet;
  • fleet insurance is also designed not only to protect the vehicles themselves against loss or damage but also to do as much as possible to ensure that they continue to do their respective jobs in transporting goods and people;
  • roadside assistance and breakdown recovery services, therefore, are typically included in many forms of fleet insurance in order to keep the wheels of your vehicle fleet turning when you need them;

Who is fleet insurance suitable for?

Who is fleet insurance suitable for?

  • any business with more than two or three vehicles to insure might want to consider the benefits of fleet insurance;
  • the principal benefits of insuring the whole of your fleet at the same time include the convenience of having just a single insurance renewal date that keeps all of your vehicles road legal and safely protected, but also with the economies of scale that typically come through buying your insurance in one block – on a vehicle by vehicle basis, insurance for your fleet is invariably cheaper than insuring each one separately;
  • owners of vehicle fleets might also benefit from the help with fleet vehicle management and risk management that not only makes for more efficient transportation solutions but might also result in further discounts on the premiums you pay.

Summary

Summary

Your vehicle fleet is likely to play a central part in keeping your business running efficiently and effectively. Insurance is an essential, legally required, part of keeping each of those vehicles on the road. You might want to take advantage, therefore, of the advantages of insuring all of your vehicles under the same safe umbrella.

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