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Fleet Insurance For UK Businesses
If you own a business in the UK and operate numerous vehicles from one day to the next then you certainly need to consider a fleet policy. The biggest difference between a fleet policy and traders insurance is the fact that this type of policy will be registered under the name of a particular company or corporation and not under the name of one specific individual. What this consequently means for the owner of the business is that the premiums are usually worked out based on the collective history of the proposed drivers that use the company vehicles.
Policy providers in the UK who offer this type of insurance usually have four categories of insurance for you to choose from.
The first category offered allows any driver from the age of 25 upwards to drive one of the company vehicles.
The second category allows drivers from the age of 30 upwards to operate a vehicle under the company name.
The third being only named drivers that are allowed to operate the vehicles.
Finally the fourth category that allows a driver of any age to operate a vehicle on behalf of the company for business purposes only.
Whilst the fourth category may seem like the most flexible and easiest option for you and your business, there are also stipulations which restrict certain drivers from getting behind the wheel. Under this category, details such as driver's history and also any claims that were taken out on previous insurance policy needs to be submitted before this type of insurance will be provided. The driver must have a completely clean license and also be free from any ailments which may cause inhibition to the ability of the driver.
Depending on which particular company that you choose, fleet insurance is not as expensive as many people may come to believe. Policy providers and the consultants which work within the company are usually extremely helpful and will work with you to construct a payment plan that allows you financial freedom and the ability to pay annually, quarterly or even every six months.
In a basic sense, fleet insurance is designed with the employee in mind meaning that if an employee has an accident whilst behind the wheel of a company vehicle, this company may be liable if the insurance terms are neglected.
Fleet insurance is completely necessary for those who operate large corporations and have a fleet of vehicles. Companies who cut corners and attempt to insure specific drivers or vehicles find that in the long run, fleet insurance not only offers the most appropriate amount of cover but is also much more cost efficient option.
Another aspect of this type of insurance includes the fact that many companies not only have drivers to worry about but also the tool kits and equipment that may be transported in any one of their company vehicles. By discussing this with the policy provider, business owners can be rest assured that their employee vehicles and all the expensive equipment is covered under one single policy.
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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