Fleet Insurance – Frequently Asked Questions

Insuring your fleet of vehicles is one of the most important aspects of commercial fleet ownership. However, it’s important to understand fully how your motor fleet insurance will work to ensure that you are choosing adequate protection for all of your vehicles.

As fleet insurance specialists, we’re often asked the same questions by customers enquiring about insurance for their fleet. Here are some of the most common that we are asked to help you make the best decision for your fleet.

Do I Need Fleet Insurance?

If you are an individual with 2 or more vehicles then fleet insurance may be for you. This is especially important for companies who own multiple vehicles such as taxis, HGVs, vans, lorries or cars.

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It doesn’t matter whether your fleet is made up solely of one type of vehicle or a mixture of different ones, you can still benefit from protecting them with fleet insurance.

Why Should I Choose Fleet Insurance?

Fleet insurance covers each individual vehicle in your fleet with the most appropriate insurance plan that meets your specific needs and requirements. Many policies are targeted at specific businesses to allow them to make the most of the cover that is relevant to their industry or vehicle type.
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It is also much cheaper than individually insuring your vehicles, saving you money in the long run without compromising on the protection that is offered.

How Do I Find The Best Policy for my Fleet?

If you don’t have much experience in insuring multiple vehicles, enlist the help of an expert. Our friendly team of insureFLEET advisors are here to find the best policy for you.

We will assess your requirements and use our knowledge and expertise to help you locate an insurance policy that fits your needs and budget. This will usually entail searching through the various insurance companies to find the most suitable policy offered at the best price for you.

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If price is something that you are conscious about, it may work out cheaper for you to pay your insurance policy on a yearly basis rather than every month. Although this may not always be possible financially, we’d definitely recommend looking into it if you can afford to do this.

What Affects The Price of My Premium?

This is one of the most popular questions that we are asked on a regular basis. After all, if you are investing in the protection of your fleet, you may want to know what factors affect the price.  Your insurance policy fee will take into account the following:

  • The type of vehicles in your fleet
  • How many vehicles your fleet contains
  • Where you store your vehicles
  • How much the vehicles are worth
  • The number of named drivers and what their experience and driving histories are

Fleet insurance isn’t any more complicated than standard car insurance – it simply covers a larger number of vehicles!

Although these are some of the most common questions we come across, there are hundreds more that we answer on a daily basis. If you have further questions about covering your fleet of vehicles with fleet insurance, don’t hesitate to get in touch with us today by calling 0333 202 3173 and a member of our friendly team will be happy to help you with your enquiries. Alternatively, head over to our social media pages on Facebook and Twitter to keep up to date with all our latest news.

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