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The Advantages Of Having Fleet Insurance
For small or large companies, businesses and owner drivers who have multiple vehicles individual insurance policies for each vehicle can become extremely expensive.
Fleet Insurance can prove to be a far more cost effective method of insuring multiple vehicles.
There are many advantages to having fleet insurance:
1. Reduction in the amount of administration needed. Less administration can mean reduced premiums as well as saving on time as only one application needs to be completed. Only having one date for renewal is far easier than having to try and remember lots of different dates throughout the year.
2. Different types of vehicles can be covered under the same policy. This includes cars, commercial vehicles, motorbikes, taxis and coaches. The mixture of vehicles differs between insurance companies. Fleet insurance is also available for lorries and trucks. Many insurance companies will also provide fleet insurance cover for agricultural vehicles, or include them on the fleet policy. Private vehicle collections can be insured under a fleet insurance policy. Privately owned cars can also be added to some types of fleet insurance policies.
3. Fleet insurance is far more cost effective than each vehicle having its own individual policy. Huge savings can be made by insuring all vehicles under one policy. Flexible payment options. Spreading the cost of insurance premiums can help businesses of all sizes manage their finances more effectively.
4. Fleet insurance companies offer more than just a policy. Their main objective is to offer a full service with many different options to suit individual customer needs. Flexible driving options are particularly useful for fleets which have high mileage.
All of the insurance offers and additional options will be subject to specific qualifying criteria and restrictions, depending on the type of fleet insurance policy. These will vary between insurance companies.
1. Different levels of cover are available. This varies between insurance companies. The majority will provide fleet insurance for Third Part Fire & Theft and Comprehensive; some will also provide fleet quotes for Third Party only.
2. Optional cover for things like emergency breakdown and accident recovery service are widely available. Comprehensive policies often include these options at no additional cost. Personal belongings that are lost or damaged can also be insured. Many insurers include this with their Comprehensive policies. Restrictions will apply. Cover for payment of medical expenses incurred by you, the driver or passenger following an incident involving your vehicle. This is usually restricted to Comprehensive policies only.
3. Uninsured Loss Recovery is offer by some insurers. This provides cover should it be necessary to take legal action to recover costs which are not covered under the policy.
4. It is possible to have fleet insurance for vehicles which drive outside of the UK. Each insurer has its own criteria for driving abroad.
Each insurance company has its own criteria as to how many vehicles constitute a fleet. Those who have more than one vehicle should look for insurance companies who specialise in fleet insurance and discuss their needs. It is not necessary to wait until current policies expire before contacting the fleet specialists.
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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