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A Guide to Motorcycle Fleet Insurance

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
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Jan 2024

Some forms of insurance are legally required when you run a Chauffeur and Limousine business, but having the right insurance in place will not only ensure you abide by the law, it can also help to safeguard your business…and keep your customers loyal

Chauffeur and Limousine fleet insurance

In order to get the best deal on Chauffeur and Limousine fleet insurance, it’s vital that you compare quotes from a wide range of insurance companies.

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your Chauffeur business's individual requirements.

  • Cover available for all types of Limos Modern to Classic
  • Polices can be tailored to your requirements
  • Flexible payment options
  • One short form – save time & money
  • All Fleet sizes from 2 limo's upwards or a mix of vehicles.

How many cars can I have on Limousine fleet insurance policy?

This will vary from one insurer to the next, as each have their own rules on what is regarded as a fleet. Some will accept a minimum of 2 which is covered under a mini fleet insurance, others will need at least 3 to qualify for fleet cover.

When it comes to the maximum, limits do not exist and in theory a single fleet policy could cover thousands of vehicles

What are the the levels of cover available?

There are three major levels of cover for Limousine fleets, as follows:

  • Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property 
  • Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your fleet of bikes caused by fire or theft.
  • Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own Limousines, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

Agreed Valuation

If your fleet is made up of classics you should consider agree valuation cover, whilst usually more expensive it does have many advantages.

  • Protect against depreciation: Classic limos and rare models might not depreciate like regular cars, making standard market values unreliable. Agreed valuation ensures you get the pre-agreed sum, regardless of market fluctuations.
  • Peace of mind: Knowing that your classic fleet is fully covered, even in a total loss scenario, brings peace of mind and one less worry. You are able to focus on delivering exceptional service without worrying about financial setbacks.
  • Streamlined claims process: Agreed valuation policies often simplify the claims process, as the value is already established. This means faster payouts and less disruption to your business.

Who needs Limousine fleet insurance?

This product is aimed at anyone with 2 or more limousines that needs to be insured. Examples include a wedding car hire service or a funeral home

If you have a diverse fleet that includes other vehicles that are not limos, it's worth considering a multi-vehicle fleet policy. This type of policy allows you to insure different kinds of vehicles, such as electric cars, vans, car rental business fleet, minibuses, and HGV's, under a single comprehensive policy

Benefits of Limousine Fleet Insurance 

Here are some benefits of a Limousine fleet policy:

  • Saves you time and money : A Chauffeur fleet policy streamlines your administrative tasks and reduces paperwork by consolidating everything under one insurer. With only one insurer to manage, a single renewal date to remember, and a unified premium to pay, you can experience less administrative hassle and paperwork.
  • Risk is spread across all vehicles : With a fleet insurance policy, you can enjoy some advantages when filing a claim. For instance, instead of tying the claim solely to the involved vehicle, it gets linked to the overall policy. This approach spreads the risk across all vehicles, potentially leading to a significant reduction in the premium hike following an at-fault accident.
  • One premium and renewal date : Fleet cover offers you the freedom of covering all your Limousines and Chauffeur cars under one policy, one premium and one renewal date.
  • Easily add or remove vehicles and drivers: Most feet polices will let you add additional vehicles at a discounted price.
  • Driver Flexibility : If you choose an any driver fleet policy, you can easily manage your drivers, but this type of cover will be more expensive. .

Time To Get Multiple Quotes Easily

As our name suggests, we can provide multiple quotes for Chauffeur fleet insurance. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

Did you know?  Having your eco-friendly fleet insured on the same policy means you don't have to remember different renewal dates – one policy means one renewal date

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