What can I Expect my Fleet Insurance Policy to cover?
Despite popular opinion there are various levels of cover you can request from your Fleet Insurance.
Your Motor Fleet Insurance needs to provide the right cover for your vehicles as well as your drivers.
There are three levels of cover you can choose from, some fleet insurance companies will also allow you to have varied cover on your fleet insurance policy:
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
In addition to this cover you can also be offered certain extensions to your motor fleet insurance policy which may include:–
- Windscreen cover
- Breakdown Cover
- Courtesy cars
- Legal Expenses Insurance
You need to give careful consideration as to who will drive your vehicles as the older the age restriction the larger the discount you will receive from your fleet insurance company, some of the more common restrictions you can opt for are:–
- Any Licensed Driver Over 30
- Any Licensed Driver Over 25
- Any Licensed Driver Over 21
- Any Licensed Driver of any Age
In addition to these if you have particularly sporty or expensive cars to be covered by your fleet insurance company you may wish to voluntarily restrict the driving just for these vehicles to demonstrate that you are not going to let your 18 year old apprentice drive your Porsche!
Finally your fleet insurance broker will need to know the type of use you need to have, examples of these are as follows:–
- Haulage
- Carriage of Own Goods
- Private and/or Public Hire
- Social Domestic & Pleasure use only (SD&P)
- SD&P and Business Use
- Carriage of hazardous Goods
- Airport Side Use Extension
Perhaps reading this has made you more aware of the varying cover a fleet insurance policy can offer you and your business, but do not be put off by the amount of information.
Alan Blunden, your motor fleet insurance broker, are experts in Fleet Insurance and are here to ensure we find the correct solution for you.
Talk to one of our fleet insurance specialists now on free phone 0800 781 9790 or click here.