Fleet and Motor Vehicle Insurance

Motor vehicle insurance also known as business vehicle insurance protects you if you use a car or van for work purposes and is legally required in the United Kingdom. This form of cover provides for a far larger range of situations than a normal personal car insurance which is not suitable for a business vehicle. This is similar to a Fleet insurance policy however Fleet allows you to cover all of your company’s vehicles and drivers under one policy. This can often be cheaper and more convenient than individual policies for each vehicle particularly the more you have.

Some of the main aspects that these policies can provide are:

  • Comprehensive

    Cover against vehicle damage to your own and others involved in accidents

  • Third Party

    Liabilities for others during a crash but not yourself, and also includes Fire and Theft options for your vehicle

  • Legal Cover
  • Haulage
  • Carriage of goods for hire or reward
  • Carriage of own goods
  • Couriers
  • Goods in transit cover
  • Trailers
  • Personal accident and sickness insurance

Both of these covers come with a wide variety of situations and needs for different companies. It is best to contact your broker to tailor it to what you require for your individual circumstances.  Some policies particularly fleet policies can add up quickly and become expensive. Some tips to lower these are:

  • Employ experienced drivers with clean records
  • Vehicle safety and risk management procedures

    A good example of this is the inclusion of dash cameras and CCTV. These can greatly reduce your premiums

  • Building up no claims bonuses
  • Increase excesses
  • Many more
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