Business owners regularly enquire as to whether a fleet insurance policy would be beneficial to their business over individual vehicle polices. There is no simple yes or no answer unfortunately and it is totally dependent on the size and experience of your business.
In order to be eligible for a fleet or mini fleet policy you will need to consider the following:
- The business runs 3 or more vehicles
- The vehicles are owned and registered to the company or to one individual
If you are able to say yes to the above the chances are that a fleet / mini fleet policy could be right for you and in most cases will save you money.
When choosing to obtain a fleet insurance quotation it is important that you select an independent insurance provider such as The Insurance Advisor to survey the market for you. Your fleet insurance advisor should survey the whole of the insurance market including Lloyds companies to provide you with not only the most competitive premium but also the right cover for your business.
Points To Note
- It is not advisable to appoint more than 2 independent advisors to look at your quotation. Normally they will simply go to the same companies and therefore duplicate the quotations.
- When choosing an independent advisor enquire what markets they will be approaching to ensure that you are getting a fair market comparison.
- If you already have a fleet policy you will need to provide official claims experience from your current provider. Without this document your appointed advisor will not be able to obtain alternative quotations
Insurance Companies Your Advisor Should Be Going To:
- Aviva
- LV
- Ageas
- Amlin
- Allianz
- Zurich
- RSA
- ERS
- Lloyds Syndicates
The above list is just a few of the most common fleet insurance companies and is by no means exhaustive. If you would like to discuss your fleet insurance needs why not give us a call, we are totally independent and our advice is free with no obligation.
FREEPHONE: 0800 121 4459
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