More than just insurance
What is Motor Fleet Insurance?
We can arrange cost-effective, competitive Motor Fleet Insurance and ensure that your business keeps moving in the event of a claim. Thanks to our many years of experience, we’re well-placed to help you with this.
If your business runs two or more vehicles, it’s often more cost-effective to insure them under a motor fleet insurance policy. The amount you pay is based on a number of different factors, such as the vehicles you’re looking to insure and the claims history of your policy.
As long as all the vehicles are registered by the business, (regardless of whether they are owned outright, financed or leased) they can be covered under the fleet policy. Temporary vehicles such as hire and courtesy vehicles can typically be included on a short-term basis too.
What vehicles can be included under a Motor Fleet Insurance policy?
A wide range of vehicles can be insured under a motor fleet policy. This would typically include private cars and commercial vehicles (ranging from small vans to large HGVs). Cover can include business use as well as personal use by your employees. In some circumstances, personal use can also be extended to include your employees’ family members and other drivers.
If you have specialist vehicles such as agricultural or construction vehicles, we can also arrange cover for those. Where possible we’ll look to arrange cover under one main fleet policy to keep things simple for you.
What is covered under a Motor Fleet Insurance policy?
The cover provided can vary, depending on your circumstances and your attitude towards risk, but is usually in line with the levels of cover you’d expect on a personal car insurance policy.
Many clients opt for comprehensive cover, which would pay for repairs to their own vehicle, as well as vehicle damage and personal injuries suffered by the other party.
However, some businesses – especially those with larger fleets – find it more cost-effective to pay for repairs to their own vehicles themselves, and insure them on a third-party basis (to cover their legal obligations to other parties) or a third-party, fire and theft basis.
Helping you manage your fleet risks
Although insurance can help you deal with the unexpected, we can also help you to proactively reduce the costs of managing your fleet. We do this by advising on proven ways of managing your risks and helping to prevent accidents.
If any of your employees use their own private cars for business travel, we can also advise you on how this can impact your business and how to minimise your risks. This is known as a ‘grey fleet’ and is often cheaper than providing company cars or hire cars. However, it does have some legal implications for your business.
How we can help with your Motor Fleet Insurance
We’ve helped our business clients to arrange their insurance since 1924 and have many years’ experience with Motor Fleet Insurance. Thanks to our strong relationships with major insurers, we can help you find the right cover at a competitive premium.
If you need to make a claim under your policy, we’ll work on your behalf with insurers. Our priorities are to help get the claim settled promptly and keep you on the move in the meantime.
Contact us to discuss your Motor Fleet Insurance
If you’d like to arrange a quote, or simply need some advice on how to handle your Motor Fleet Insurance, contact our Liverpool office or our Gloucester office and we’ll discuss your fleet with you.