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A Guide to Business Multi Van Insurance
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Unlike regular car insurance, minibus fleet insurance is designed to cover multiple vehicles under one policy. It works similar to a stand-alone policy to cover risks. Cover can include accidents to theft and third-party liabilities that come with managing a fleet of minibuses. If you are dealing in public transportation, education, or tourism, insuring your Minibus under one policy is a go-to solution. One policy to cover all – efficient, cost-effective, and tailored just for you!
A business multi van insurance policy is an umbrella type of policy in which several other policies are held under it to represent the individual vehicles being protected. Multi Quote Time works in partnership with Quote Zone who provide a simple form which once completed is submitted to a specialist panel of brokers. To get multiple quotes, select GET A QUOTE button above and provide basic information to a panel of UK brokers.
Benefits of Minibus Fleet Insurance
What Vehicle types can be covered ny minibus fleet insurance?
The insurance company will allow a mixed transport or coach fleet, which can include a mix of the following:
Am I eligible for minibus fleet insurance?
You are eligible for minibus fleet liability insurance only when you fulfil these three criteria:
Is minibus fleet insurance more expensive?
Fleet insurance often provides cost efficiency compared to obtaining separate coverage for each vehicle. However, your minibus insurance cost varies based on several factors, such as:
Can I Exclude A Driver or Drivers That Are High Risk?
Most brokers are flexible in arranging cover. You may choose any driver cover, but only for drivers that are over 25. This approach will be cheaper than, for example, an any driver over 21 policy, as the risk is reduced. Drivers under 25 or young drivers could possibly be added as named drivers only.
What are the insurance cover options available for a minibus fleet?
Most insurance companies will offer a range of fleet insurance cover options as detailed below
Third-party fire coverage: This safeguards against damages caused by fire to both your fleet and third-party vehicles involved in an incident.
This level of cover provides minimum third party cover, but will pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.
Comprehensive coverage: It protects against a wide range of risks. This includes damages to your vehicles in accidents, theft, and various other unforeseen events.
Public liability cover: It ensures protection in scenarios where your company or fleet causes injury or damage to third parties or their property. This coverage extends to legal expenses that may arise from such incidents.
Other covers include minibus breakdown assistance cover and windscreen cover.
How can I Save money on minibus fleet insurance?
Lowering the cost of any insurance is all about lowering the risk that you pose to the perspective insurance provider. If you pose a lower risk, you should be rewarded with a lower quote.
To save money on minibus fleet insurance, consider the following strategies to reduce your risk profile:
Did you know? Having your fleet of vans insured on the same policy means you don't have to remember different renewal dates – one policy means one renewal date
Obtain quotes for minibus fleet insurance now
Secure your minibus fleet's financial protection with MultiQuoteTime. We provide you with the best and most cost-effective quotes. Click on GET QUOTES, fill out a simple form, and obtain quotes from our specialist minibus fleet insurance brokers across the nation.
Multi Van Insurance FAQ's
Fleet insurance is a flexible product and can be tailored to your business needs. Small business fleet insurance, sometimes referred to as mini fleet insurance, which is aimed at a growing business or a start up.
This is normally acceptable as long as some preconditions are met. These include no money or reward changing hands except for fuel costs. If you provide this as a paying service, you will need additional insurance, termed hire and reward van insurance.
The idea behind a fleet policy is to reduce your overall insurance costs. In most cases, this type of policy should work out cheaper than insuring each vehicle individually. It is standard to be provided with some form of discount if and when you add additional vehicles to your base policy. This should be negotiated with your broker in advance.
The no claim discount is earned by making few or no claims. It is initially granted when no claims are made in a year. With each additional year of no claims, the discount amount should rise.