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What Is Fleet Insurance
Fleet insurance is a type of insurance cover appropriate for business owners that use two or more Vehicles in their possession and for their work to ensure that they’re all covered. Generally this can be a pain if you’re a business owner of multiple vehicles trying to insure lots of vehicles individually. That’s why Fleet insurance can be so much more hassle free with just a few bits of information to give to the insurers, all your vehicles can be insured under one roof. Individually insuring each Vehicle on a separate policy might be a logistical headache, but that’s where motor fleet insurance can assist. You can rest easy knowing that your whole fleet of vehicles is protected with this type of auto insurance policy.
Instead of insuring individual vehicles in a fleet, fleet insurance allows you to cover many vehicles under one policy. Fleet insurance is the simplest method for a large business with a large number of vehicles on the road to ensure that all of them are regularly insured. Plus, instead of each vehicle having a distinct renewal date, there’s just one renewal date for all your vehicles. The same coverage options are available for fleet insurance as with conventional auto insurance, including third party only, fully comprehensive, as well as third party, theft and fire policies. A fleet is defined as two or more automobiles. This definition is typically accepted by most insurers.
Different Types Of Fleet Insurance Coverage
What Fleet Vehicles Can Be Covered
Extra Protection
Additional Cover Options
Breakdown Cover
Vehicle Breakdown Cover will offer assistance from the roadside or at home when your vehicle breaks down
Vehicle Key Cover
Key Cover will take care of the expensive cost of replacing or reprogramming lost or stolen keys
No Claims Bonus Protection
If you have No claims bonus you want to protect then having no claims bonus protection will maintain your No claims discount encase of a claim
Courtesy Vehicle Cover
In case of an accident or claim your insurer will provide you will a courtesy vehicle
European Cover
Will give you comprehensive cover when you drive abroad in EU countries this also includes Ireland
Personal Accident Cover
You will be covered if you sustain a personal injury during an accident and this can be extended to include your passengers as well
Motor Legal Expenses
This will cover the legal costs you need to pay following an accident that was not your fault. Further more this could cover you against an uninsured driver.
Windscreen Cover
Covers you for a cracked or chipped windscreen. Windscreen cover normally covers a repair or replacement glass.
Misfuelling Cover
If you put the wrong fuel in your Vehicle it can cause sustainable costs. This will cover the cost of having the tank drained and cleaned if you use the wrong fuel.
Personal Belongings Cover
Covers your personal possessions from theft or if your vehicle was written off in an accident and destroyed.
Essential Details
What information will you need to compare Fleet insurance with Try compare
Information About Yourself
Some basic information about yourself including name, address and contact details.
Details about the Vehicles you want to insure
This will include the registration, how much the vehicles are worth and any other minor details about the vehicles.
The level of cover you need
This will include the excess and whether you want fully comprehensive fleet insurance, third party fire and theft fleet insurance or third party only fleet insurance.
Maximize Savings
How Can I get the cheapest Fleet insurance Quotes
Build up Claims history
With Fleet Insurance you build up claims history with all the vehicles you have on the policy. This is like a no claims discount for single vehicles.
Compare Quotes
Compare Fleet Insurance Quotes with Try Compare as you can save on average of up to £519* when you compare fleet insurance.
Pay annually
By paying annually you save on the monthly interest rates you would if you paid monthly. This can be as much as 10%
Use GPS Trackers and Immobilisers
You can save up to £150 on your Fleet insurance by having either a GPS tracker or and an immobiliser installed in your vehicle.
Your Drivers
Make sure your Drivers are over the appropriate age, Some insurers give discounts for being older.
Customise your Fleet insurance policy
There are lots of ways to save on a fleet insurance policy some but not limited to would be fleet vehicle excess levels or choosing the right level of cover such as Fully comprehensive over Third party cover.
Required Details
How do I make a claim on Fleet insurance
Report the claim to your insurer
If you have an accident that is your fault or you were hit by another driver you must contact your insurance provider. Make sure you take the registration number down of the vehicle you were in an accident with and any personal details.
Provide supporting documents
Your insurer will need your insurance policy details, this will include your policy number and any evidence you have of the claim. If you can send in photos, dash cam footage, policy report or any details for witnesses the insurer can contact.
After reporting the claim
Your insurer will have to investigate the claim and speak to the other insurance provider of the other driver at this point once all is complete the insurer will either settle the claim and compensate the market value of the vehicle or repair the vehicle at an approved garage on the provision the claim is approved.
Why Choose Try Compare For Fleet Insurance?
Compare very cheap Fleet insurance with Try Compare and get the competitive insurance quotes available to you and save money. The insurance providers can help you insure your Fleet on a monthly or annual basis.
Compare fleet insurance quotes today to find out if you could save
We Also Offer Insurance For Standard Car Insurance for family vehicles
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Your Answer
Frequently asked questions & searching answer.
Why is it important to have the correct fleet insurance cover?
With good fleet insurance comes peace of mind and it’s worth remembering that having insufficient insurance for your vehicles is illegal and if you are caught driving on the road, or in a public place without fleet insurance, you could be penalised. Unless your vehicle is registered as ‘off the road’ (SORN), or is in the process of being either bought or sold, you could face a fine for not insuring your vehicle.
You must have a minimum basic cover policy (i.e third party insurance). 6 penalty points are given to uninsured drivers with an on-the-spot fine of up to £300. If you are taken to the court you could face an unlimited fine and/or be banned from driving. The police may also seize your vehicle and have it destroyed or impounded.
What add-ons are available to enhance my fleet insurance?
Additional cover can be secured to give your vehicle an extra level of protection. There are many different add-ons that you can choose from that you can add to one of the three basic policy types above.
No Claims Bonus protection – Your record without incident is rewarded, for all consecutive years that you have not made a claim on your policy, and your policy price will reduce as a result. Some insurance companies make it a requirement to have a minimum amount of ‘no claims’ years to protect your ‘no claims’ bonus. You can also choose to protect your ‘no claims’ bonus.
Legal Cover – This policy covers you against any potential costs from legal action brought against you by a third party.
Breakdown Cover – In the event of a breakdown your insurer will send a specialist immediately to fix your vehicle and get you back on the road quickly and safely.
Hire Vehicle Cover – This cover provides you with a replacement vehicle in the event of your Vehicle being involved in an accident, or you somehow lose your Vehicle through no fault of yours.
Key Care Cover – This policy provides you with a replacement key should yours become lost. This policy add-on may also provide a hire vehicle if your vehicle cannot be used due to loss of keys.
How do I reduce the cost of my fleet insurance?
Reducing the cost of your Fleet insurance is possible with a few considerations. Here are a list of things for you to think about when trying to find cheaper Fleet insurance;
- Use us to shop around to compare different fleet insurance quotes from many insurance providers.
- Try to go for fully comprehensive cover if you can, this can save you money.
- If possible, pay up front to save even more money.
- Get a suitable vehicle and don’t modify it as this may attract thieves and will place your Vehicle in a higher risk bracket.
- Increase your Vehicle security by installing a dash-cam – you may be offered a discount if you have one.
- Cut additional cover if you have any – policy add-ons come at a cost.
- Set a lower mileage limit – you may be charged less if you have a lower mileage allowance.
- Increase your voluntary excess – insurers will then pay less towards any claims, but this is likely to reduce your premium price.
Do I Need Fleet Insurance?
Yes, Fleet insurance is a legal requirement for all those who use public highways/roads. Driving without insurance is a serious driver offence so be sure to get at the very minimum a third party insurance policy to protect those around you driving on roads as well as other people’s property.
Will any insurance claim increase my insurance premium?
Any fleet insurance claim will increase your premium. However, a non-fault claim won’t impact it as much as a claim where you are at fault.
What types of Fleet Insurance can I purchase?
Different insurance companies have different policies and covers that they offer. With so many companies and policies on the market, it can be difficult to decide which is the most suitable for you. The quote forms clearly state the level of cover each policy provides. There are three main types of Fleet insurance policies;
Comprehensive – This is one of the most complete insurance policies available and covers everything that a ‘third party, fire and theft’ policy does, as well as covering damage to your vehicle (even when you were found to be at fault). You can claim for repair of your Vehicle due to an accident, damage or vandalism. It offers the most extensive level of protection of the three categories.
Third party only – This is the minimum level of cover required by law in the UK. This policy pays only for third party injuries and damages to your vehicle and property, as well as passengers in your vehicle. This option is typically chosen by those who drive an older vehicle, or a vehicle with low value.
Third party, fire and theft – In addition to third party injuries and damages, this policy compensates you if your vehicle is stolen or destroyed by fire.
What details do I need to provide to get fleet insurance?
- Your vehicle information – Registration, make, model, the year it was registered, value, engine size, etc.
- Your personal details – name, date of birth, address, marital status, job title.
- Proof of your no-claim bonus – This ensures your fleet insurance is cheaper if you’ve avoided claiming for a period of time.
- Your bank details – Required if you are setting up a direct debit to pay your premiums monthly.
- Claims or accident history – You insurer must be made aware of all incidents involving your vehicle.
- Details of any driving convictions – Your insurer must be made aware of any convictions that you have. Driving convictions can add penalty points to your licence.
How can Try Compare help you to get cheaper fleet insurance?
Try Compare will connect you with a variety of fleet insurance brokers that can give you a quotation for your complete fleet in just a few clicks.
What is an insurance policy excess?
An insurance policy excess is an amount you pay in the event of a claim. This amount is deducted from the amount your insurer puts towards the rest of your insurance claim, should it arise. If you opt for a higher excess, your insurance will typically be cheaper as the insurer won’t need to put as much toward a claim, again, should it arise.
Try comparing insurance with differing excess policies to see the differences you could get with your quotes.