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Getting the right Fleet Insurance Policy
Owning a vehicle is an integral part of business for people involved in courier or transport businesses. Therefore, it is important that you insure your vehicles against risks that could have a negative effect on your business.
If you are both the owner and driver of the vehicle, you can ask the insurance company for a tailor-made insurance policy to meet your requirements. If you have taken a vehicle on lease, then make sure you take out a policy that fulfils the terms and conditions of the lease agreement.
There are different types of cover options available, depending on the vehicle you use and the nature of your business. Each fleet insurance company has its own set of rules when it comes to insuring vehicles. So it is best that you speak to as many insurance companies as possible before you commit to a fleet insurance policy.
No claim discounts earned on vehicles used for business can sometimes be transferred as a No-Claim Bonus for your private vehicle. This, however, is not guaranteed and the discount offered on a No-Claim Bonus may not be much. So make sure you find out the discount being offered when the benefit is transferred to your private vehicle.
Since the premiums on insuring a fleet is high, most insurance companies give flexible payment options to its customers. This enables customers to pay the premium on a monthly basis instead of making a single annual payment. Some insurance companies also offer short-term fleet insurance for your vehicles.
The terms and conditions of offering short-term cover will vary, depending on the insurance company chosen. So make sure you discuss the terms of short-term insurance with your fleet insurance companies.
When opting for fleet insurance, it is not compulsory that Goods In Transit insurance is included in the policy. So if you're in the business of transporting goods, make sure Goods In Transit cover is included in the fleet insurance policy that you opt for.
Goods In Transit insurance cover is provided on goods carried for someone else, and if payment or reward is received for carrying such goods and services.
Most customers of companies transporting goods require them to take Goods In Transit insurance when they transport goods belonging to the customer. You may also be required to take Public Liability Insurance to protect your business from risk of loss due to damage of public property.
Today, most companies prefer to take out Fleet Insurance as it is cost-effective when compared to taking out an individual insurance policy on vehicles.
You not only save on insurance premiums but also you are saved from the headache of keeping track of individual insurance policies of the vehicles. There are different types of fleet insurance available in the market.
For people owning different types of vehicles such as cars, minivans, buses and motorbikes, insurance companies have come out with mixed fleet insurance policies. Speak to the fleet insurance company and find out the products they offer.
If you not satisfied with standard insurance products, you can always request them tailor-make products that will cover all your business risk.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
fleet insurance
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