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Insurance Savings With Fleet Policies
Anyone who owners more than a couple of vehicles would be wise to ask insurance companies about a policy which includes more then one vehicle.
The number of vehicles which constitute a fleet varies between insurance companies. Some have a criteria of three or more vehicles while other stipulate five or more. Therefore it is worth shopping around to see whether your number of vehicles constitute a fleet.
The vehicles do not have to all be of the same type, for example if you own a car, a motorbike and a business van you may be able to take advantage of a mixed fleet policy and make huge insurance savings.
If you own a fleet of heavy goods vehicles fleet cover can be a very cost effective way of saving substantial amounts of money each year. Again the number of lorries required varies for each insurance company.
The great advantage of fleet cover is the massive savings which can be made as opposed to insuring each vehicle separately. This applies particularly if drivers are experienced and have a good driving history which can be proven. Insurance companies usually use past claims history and accrued no claims bonuses to determine a good driving history before they offer discounts.
If the drivers are all over the minimum age criteria further savings can be made. Young drivers are deemed to be a higher risk and therefore the insurance companies demand higher premium costs, if one of your fleet drivers is young and inexperienced it may be more advantageous to insure them separately as this could potentially work out more cost effective. Speak with insurance companies to discuss various options available.
Other ways to make savings if you own a fleet of vehicles is to have extra security fitted to the vehicles. Insurance companies look very favourably on vehicles which have alarms, immobilisers and tracking devices fitted to them. Taking a proactive approach to reducing risks will provide you with further discounts.
Third Party Only insurance is the least expensive option, however this does not provide any cover for your vehicles if your drivers are the cause of an accident. Moving up to the next level of insurance provides Third Party cover plus insurance against theft and fire. These basic levels of insurance may be useful if your vehicles do not have a high market value.
Comprehensive insurance provides the maximum amount of cover for vehicles. This provides cover for your vehicles irrespective of who caused the accident, as well as cover for theft, malicious damage and fire. Although this is the most expensive type of cover, vehicles which have a high market value are far better protected against loosing out on replacement or repair costs. Comprehensive insurance may seem a large initial outlay, however it does provide total peace of mind. Most insurance companies offer various payment methods to help spread the cost throughout the year.
Fleet insurance is not solely for businesses. Anyone who owns two or more vehicles or combinations of various types of vehicles would be wise to discuss fleet insurance options with insurance companies who specialise in this type of policy.
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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