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Car Fleet Insurance To Meet Business Needs
Company cars continue to be a popular part of salary packages for company reps as well as for middle and top management jobs. The size and make of the car typically increases the more important the position within a company.
Having all vehicles insured under a fleet policy is an effective way for companies to manage their fleets of vehicles as well as an effective way to help reduce insurance costs.
Including high performance and luxury cars as part of a fleet policy can offer huge savings than insuring them under separate cover. Discuss your business needs with insurance companies who specialise in offering fleet insurance to find out what savings can potentially be made.
Usually a company or business will be allocated a specific insurance consultant by the insurance companies to ensure they provide and maintain an excellent customer service. The consultant will be able to provide expert advice and guidance as to what should be included on the fleet policy, helping you to make savings and ensuring you have the most appropriate insurance cover to meet your business needs.
Discuss the number of vehicles you have, an estimation as to the amount of mileage they are likely to incur on a yearly basis and the names of the drivers. Although the vehicles will be covered under the same policy it is possible to add optional extras to particular cars. There are usually mileage restrictions on fleet cars, those that accumulate over and above the insurance companies allocations will incur higher costs.
Extras typically include the option to have breakdown and roadside assistance, which is ideal for those who travel throughout the country. Glass cover may also be an option worth considering, however many insurance companies will include glass cover with their fully compressive policies - there is usually an excess to pay, the amount of the excess varies between insurance companies so it is worth shopping around to find the best quotations and insurance deals.
Insurance companies will reward any driver who has a no claims discount. They will even transfer no claims discount earned on non-fleet vehicles to help the business make huge savings on annual insurance costs. Each driver's no claims discounts will be taken into consideration and the amount of discounts offered will vary. If any of the drivers have driving convictions and/or penalty points on their licence the car fleet insurance premiums will increase.
The age of the drivers will also be taken into consideration. Young drivers may increase the cost of the premium as they are considered to a higher risk by insurance companies, as such it may be more cost effective to insure a young driver under separate cover until they reach the age restrictions.
Insurance companies vary with the age restrictions, while the majority say drivers have to be over twenty one years old, some have a stipulation of twenty five years old. Check with different car fleet insurance companies if you have a driver on your fleet who is under twenty five to find what restrictions, if any, will be applied.
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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