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What Is Fleet Insurance And Why Do I Need It?

Fleet insurance enables a company, business, family or sole owner to cover multiple vehicles on the same insurance policy. It can be a very cost effective way to insurer multiple vehicles rather than each vehicle having its own individual policy.

There are different types of fleet insurance available.

Commercial fleet; this insurance covers virtually any type of commercial vehicle, vans, trucks and lorries. Discuss your requirements with the brokers or insurance company to ensure that commercial insurance is the correct type of insurance for your business.

Motor fleet; suitable for company cars, private hire cars, minibuses, taxis and chauffeur driven cars. Insurance companies offer very competitive deals for motor fleets, some include unlimited mileage which may suit your needs more effectively, making motor fleet insurance more cost effective than individually insured vehicles.

Mixed fleet; enables different types of vehicles to be covered under the same policy. Ideal for small or large companies and who operate various types of vehicles. Most insurers will consider any types of vehicle combinations under this type of policy.

Mini-fleet; some insurance companies also offer mini-fleet insurance. This is a cost effective solution for smaller businesses who operate between two to twelve vehicles. The combined cost of your premium often provides more flexible insurance arrangements than individual policies.

Mini-fleet for haulage vehicles; operators of small or medium sized haulage lorries and trucks can also benefit from fleet insurance deals, making huge savings on annual premiums.

Courier fleet; suitable for all types of courier vehicle, including dispatch riders, vans and motor bikes. Courier insurance differs from light haulage insurance, therefore it is advisable to speak to the fleet insurance specialists to ensure you have the correct type of insurance for your business needs.

Privately owned vehicle collections; fleet insurance is not solely for businesses. Those who have vehicle collections of private cars, trucks or motor bikes may also benefit from annual lower insurance premiums by having fleet insurance cover.

Families with multiple vehicles; the flexibility of fleet insurance can be a very economical way for families to insurer their different vehicles.

Whatever the type of multiple vehicles you are operating or driving fleet insurance is obtainable. The specialist fleet insurance companies will tailor requirements to meet your needs. Some insurance company will consider this type of insurance if you have two or more vehicles, however there are variations in the number of vehicles you need to have to qualify, therefore it is advisable to check out different fleet insurers. Probably the easiest way to do this is online using a insurance broker who specialises in fleet insurance policies.

They will obtain a number of quotes from different insurance companies which saves you the time and effort of having to do the searching and provides with you with different quotes to choose from.

Insurance companies who specialise in fleet insurance will need to know details about all of the vehicles in order for them to quote the most competitive premiums and ensure that your vehicles are insured legally and correctly.

Author Resource:- Staveley Head are a leading UK insurance broker for fleet insurance
Submitted 2009-03-13 16:23:50
By: Paul Headley 99 or more times read
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