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The panel of insurance brokers that we have access to can provide you fleet insurance for all types of business that have multiple vehicles, including:

Guide to fleet Insurance 

Do you need an insurance policy for multiple vehicles? Have you considered fleet insurance? Covering all your vehicles under one policy has the potential to save you money over the traditional one car, one policy route. Cover is available for all vehicle types including cars, minibuses, trucks and vans. 

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Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of insurance providers. Complete one simple form which is submitted to a specialist panel of brokers. The panel can provide motor fleet insurance quotes for all fleet sizes, from 2 vehicle fleet insurance to a large taxi fleet. The panel specialise in providing quotes for UK fleet insurance and can easily tailor polices to your exact requirements. Getting multiple quotes is an important step to finding affordable fleet insurance, complete one form to start comparing offers.

How much does a fleet policy cost?

The cost of fleet motor insurance policies will vary, as final cost is dependent on your requirements plus the insurance provider. For example, the number of motor vehicles will be a key determining factor in arriving at a final premium cost.  Beyond the number of motor fleet vehicles, other key factors include what the vehicles are to be used for, the value of the vehicles and the history of previous fleet insurance claims. 

What is covered in a fleet policy? 

This type of policy is a policy that is geared at covering more than one vehicle, normally 3 or more vehicles. Most fleet policies provide comprehensive insurance that will provide a cover even if the drive is at fault.  Third party fire and theft is also available, but will only provide cover to third parties, leaving you to cover your own costs should the fleet driver be responsible, or the other party is driving without insurance.  Our guide will help explain how a fleet policy works and how you can save money on fleet insurance.

Fully comprehensive fleet insurance provides cover for your vehicles and their drivers if a vehicle is stolen or involved in an accident. It will also cover the cost of damage to other cars when one of your vehicles is involved in an accident and your driver was at fault.

Types of fleet cover based on usage 

Business fleet Use

Usage can vary widely. The most common is a business fleet. The car can be provided to those that need it to conduct business, for example sales staff or engineers. In general, this type of perk is also provided to middle and higher management. In many businesses, a company fleet car to be part of the remuneration package for all staff.

Courier fleet use

The boom in online shopping has created a demand for courier drivers to delivery goods bought online. Delivery drivers are on the road constantly delivering in all types of weather and often within time constraints. This makes this category of courier fleet insurance higher risk than a typical business fleet. The risk is built into the final premium, which will be higher than standard business use.

Taxi or Private Hire Use 

For similar reasons to courier drivers, taxi fleet insurance will attract higher premiums to cover the increased risk. This insurance product is often referred to as hire and reward insurance and covers private hire insurance and standard taxi insurance. 

Haulage Use

Haulage fleets consist of trucks or HGV’s of all sizes. All trucks are expensive to buy and the costs of commercial HGV fleet cover is high as it combines the road risk with high replacement and maintenance costs.

Self Drive Hire

If you have a fleet of vehicles that you hire out to the public, who can apply for self drive hire insurance. This type of cover is suitable for those that hire out vans, cars, bikes or campervans or even plant machinery in return for reward. 

Service and Workman Use

Most service industries make use of the extra storage space for tools and Equipment provide by a van. Van come in all sizes so dependent on the type of service provided, you may need to cover for micro vans or large panel vans or small 3.5 Ton trucks. Cover in the form of multiple van insurance is available and can also include a mix of vehicles (cars, vans and trucks).

Possible advantages of a fleet policy 

  • Easier to manage : If you have all your vehicles under one policy with one renewal date, insurance renewal will be a one off annual task. If you have one policy per car, then you will need to perform the same task multiple times at each renewal date.
  • Possible cheaper premiums: Fleet cover should be considerable cheaper, but you should always compare the costs of individual polices against a group policy.
  • Any driver : You can opt for an any driver option, which can give you more flexibility and possible an advantage over your rivals. Any driver fleet polices can be arranged with constraints to make them more affordable. Example, an any fleet insurance policy that is only for drivers that are over 25 and have held a licence for 3 years. Higher risk or younger drivers can be added, but must be named drivers. With an any driver policy, you will not have to waste time figuring who can drive which vehicle and is especially convenient when employees come and go.
  • Most insurance companies offer a discount on additional vehicles that you subsequently add to your fleet policy. So if you are starting off as a new venture, you will be able to add additional vehicles as your business grows and also receive a discount.

Possible disadvantages of a fleet policy

  • If the fleet is small, say 2 or 3 vehicles, it may work out cheaper to take out separate insurance policies. The likelihood of separate polices working out cheaper will reduce as the number of fleet vehicles increase.
  • Loss of NCD (no claims discount). Traditional no claims discounts do not apply to business fleet policies, instead a claims experience report is maintained. If good, this will lead to a better deal. The inability to apply no claims discounts may have a bearing on smaller fleets and is the reason to always get comparative quotes for a fleet policy versus individual policies.  

What optional extras can I add to my fleet policy? 

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Breakdown Cover : Additional cover options can be added if required. Most fleet manages will want to include  business fleet breakdown cover to get their vehicle bask on the road and earning money quickly. With  breakdown cover you should, you can include within your existing cover or take cover out with a separate specialist provider of breakdown cover. Best to get comparative business breakdown cover quotes and then make your decision.

Uninsured Loss Recovery : The headline in MIB the motor insurance database reads: “Police seize the UK’s 2 millionth uninsured vehicle” that is as of Feb 2020, so that figure is well surpassed by now. The article goes on to state that in the UK every 10 mins, someone is hurt by an uninsured motorist. These motorists have little respect for the laws of the highway and if you or your employees are involved in an accident caused by an uninsured driver you have two options. One option is to claim through your fleet broker, but this is only possible if you have comprehensive insurance. The other option is to claim from the MIB.

Claiming from your insurance broker could have negative impact on your no-claims bonus. This may seem unfair, the good news is that now  some insurers that include AA and Direct line  give an ‘uninsured driver promise’.  Which means if you do claim for an accident that was not your fault because the driver was uninsured, your no-claims bonus  will be protected.

Options Against Losing No Claims Bonus

  • Claim from your fleet broker if you have comprehensive cover and a clause to cover uninsured claims 
  • Claim from the MIB.
  • Add uninsured motorist protection to your cover if not already included.

Courtesy or replacement car : Hiring a replacement car for an extended period can work out expensive. In addition, you have the vehicle hire excess to worry about, unless you take out additional hire insurance at extra cost. 

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