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There are some professions which require businesses to make use of multiple vehicles as part of a fleet, whether to make deliveries or to deploy several teams to a single site.

Businesses that operate more than one company vehicle, including couriers, repair companies and council departments often have a fleet of vehicles of varying sizes for business purposes.

What Is Fleet Insurance?

Rather than having to insure each of their vehicles individually, a process that can cost both time and money, many businesses prefer to insure all their vehicles under a single policy known as motor fleet insurance.

Not only is it often cheaper to insure your vehicles as one unit, but motorfleet insurance policies come with additional benefits to help ensure that your vehicles and the public are covered against all scenarios.

Whether you have a small fleet of vans or a large fleet of HGVs, ensuring your vehicles are properly insured is an essential part of running a fleet business, and by insuring all your vehicles on one policy you can save on administration time as well as cost.

What type of vehicles can I cover?

Motor fleet insurance is available for a variety of vehicles, including:

  • Cars used for deliveries
  • Vans – both large and small
  • Lorries and HGVs – including tail lifts, curtain-sides, tippers and flatbeds
  • Buses and coaches

There are different types of cover for different types of business, and some insurers that will cater for a specific type of group, including taxi fleets, couriers and hauliers. It can be worth looking into several brokers to check what they can offer you and your business.

How Many Vehicles Can I Insure?

Fleet insurance providers will usually provide cover for those with a minimum of five vehicles, however there are brokers who will provide cover for smaller fleets of 2 or more vehicles, but for smaller fleets it can be worth looking into whether it may end up being cheaper for you to insure each vehicle separately, rather than on a combined policy.

What Features Can I Get On A Motor Fleet Policy?

There are a number of features available on fleet insurance policies, including:

  • Goods In Transit cover – helps protect your cargo against loss or damage, essential for those who carry goods for reward.
  • Unlimited mileage – if your vehicles are constantly on the move, unlimited mileage on your policy means you won’t have to worry about keeping track of mileage and worry about exceeding limits which could mean missed deliveries.
  • Breakdown and replacement vehicles – should a vehicle break down during a delivery this cover would ensure that you and your cargo can get back on the road as quickly as possible following an accident or breakdown.
  • GAP Insurance – helps to cover the difference between what you originally paid for your vehicle and the price of it at the time of a claim, allowing you to recoup the difference caused by depreciation of value.
  • Public Liability Insurance - helps to protect your business against third party claims which may arise as a result of an accident that causes damage to property or cause an injury.

Are The Policies Cargo-Dependent?

The type of cargo you carry is important to disclose as well, as special dispensations might have to be added as a result, and could affect your insurance policy if you’re not as accurate as you can be.

If you’re carrying tools to help you do your job these will usually be covered on your vehicles’ policy, but be sure to disclose any information about the products you carry to your broker as what you carry may affect your policy price.

For example, if you carry hazardous goods such as chemicals – whether in liquid or powder form - or medical equipment this will have an impact on your premium price due to the increased risk associated with the cargo, be sure to disclose this to your broker.

Whether you transport care packages or new cars, ensure your fleet is covered with a motor fleet insurance quote from Quotiva. With just a few details we search our network of top UK brokers in order to find the best deal for you and your business.


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