About Our Business Fleet Insurance
Business fleet insurance covers pretty much all businesses with a number of vehicles at their disposal, whether for trade sectors or delivery functions. Essentially, fleet insurance provides flexible cover to insure all of your vehicles and the employees who drive them. This will save a lot of time, money and effort as insuring each individual vehicle can become quite a headache.
What is business fleet insurance?
Business fleet insurance is a collective insurance for all the vehicles that require insurance in your company, along with the employees that need insurance to drive the vehicles. With most insurers, you’ll need at least 2, if not 3, vehicles on the policy, but there is rarely a maximum limit that you could come close to. So you can genuinely insure thousands of vehicles on a business fleet insurance plan to ensure that everything is nice and organised under one premium and renewal date.
What vehicles can be insured on a business fleet policy?
Usually, you will insure cars, vans and motorcycles on a standard business fleet policy, but there are specialist policies for specialist vehicles.
Why should I opt for business fleet insurance?
Businesses can benefit from fleet insurance in many ways, including less administrative work and financial savings, as well as the flexibility of fleet policies in terms of adding and removing vehicles and staff. Fleet insurance policies have one renewal date and one premium, whereas trying to individually insure the number of cars you own can become complicated and expensive.
What does business fleet insurance include?
With business fleet insurance, you’ll need to decide on the amount of cover you require, and with this, you have three key choices:
It is almost certainly the best option for business fleet insurance to have comprehensive coverage, the highest level of insurance available. Coverage includes third-party, fire, and theft, and most importantly, it covers damage to your vehicle regardless of fault.
The third-party, fire, and theft coverage only protects third parties. Your only insurance coverage occurs in case of theft or fire.
Third-Party Only: This covers just the damage done to other people and their property.
This type of cover protects you and your company against any claims made against your employee should anyone be injured in line with your work activities in public.
One of the essential extra covers you can get as a company that requires vehicle use as part of their working operations is breakdown cover. There’s nothing more frustrating than being left on the side of the road when you have places to be. Breakdown cover will usually get you back on track within a few hours.