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Fleet Insurance Keeping You and Your Employees Covered at all Times
For those of you who seek to insure a wide range of vehicles under the same company name then you certainly need to consider a fleet policy insurance plan. In the UK there are actually numerous families that own large fleet of cars yet this form of policy insurance plan does not come under the same parameters.
A fleet policy covers numerous vehicles and drivers and may even also cover different types of vehicles used within one company or corporate entity. For example, if you consider a large refrigeration firm, there may be numerous vehicles such as vans that carry with them expensive tool kits and other such items which need to be covered under the insurance policy. There are numerous differences between a fleet policy and a standard policy with one being the no-claims bonus. As there is quite clearly more than one vehicle to consider here, typically a policy provider will look at the overall picture and the fleet of vehicles as a whole. The company will look at the history of all the vehicles together and also the experience of the drivers and any accidents or insurance claims that were taken out previously related to this particular fleet.
There are usually four different categories that policy providers will allow drivers to be covered under a fleet policy; one being that any driver over 25 is able to drive under the policy, the next category being any driver over 30 and the following category being only named drivers and finally drivers of any age.
Before take out fleet insurance you also need to clarify particular specifications and requirements for your policy and company. For example, the category that allows drivers of any age to get behind the wheel usually comes with stipulations that state drivers must have a clean license, free from any previous claims, or any physical or mental disabilities that would inhibit the capabilities of the driver.
The main differences between fleet insurance and standard insurance is the fact that all drivers named under the same policy must submit a detailed background of their driving history. Many people do not wish to disclose their driving history as this can often present problems when applying for jobs.
Another aspect of fleet insurance which is different from standard insurance is the fact that the drivers of company vehicles are protected and adequately covered when behind the wheel of a company vehicle. This means that if an employee has an accident and suffers serious injury behind the wheel then the company may be liable for the claims and financial responsibility of medical bills and other aspects of an accident.
Finally, remember that fleet insurance and the policy providers are also more than willing to work with the company in question to work out a flexible payment plan. They will also discuss the small details that apply to your particular business and corporate requirements until you obtain the level of cover you need.
Author Resource:-
Neil Anderson is a UK based finance specialist who provides advice and information about a wide range of products including Fleet Insurance. Find out more by visiting his preferred website DNA Insurance.
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