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Why Choose QuoteSearcher for Motor Fleet Insurance?
Motor fleet insurance is an integral part to making sure your business runs smoothly. Any company that utilises multiple vehicles needs to be assured that, should something go wrong with one or more of them, they will be covered for the costs.
Whether you are looking for small fleet insurance, company car fleet insurance, or insurance for your personal vehicles, QuoteSearcher can bring a specialist broker directly to you. This means less legwork for you and more time spent on the things that matter to you.
Your motor fleet policy can be tailored to your specific needs and can include a number of optional features that can add extra protection for motor fleets. The best fleet insurance policies will be comprehensive, offering a wide range of elements including fleet windscreen cover, any driver insurance, and fleet insurance for rental cars, among others.
Motor Fleet Insurance Policy Features
Designed for companies that operate long distance transport and delivery services
For vehicles operating within a smaller area performing multiple deliveries per day. . Find out more about Courier Insurance.
Carriage of own goods
Covers goods or equipment needed by the employee to carry out their job, stored in their vehicle
Public and employers liability insurance
Protection from any claims made by an employee or member of public for injuries property damage. Learn more about Public and Employers Liability Insurance.
Legal expenses insurance
Covers legal bills for third party compensation claims against your business. Find out more about Legal Expenses Insurance.
Replacement of locks insurance
This provides cover for the cost of replacing locks if keys are lost, damaged or stolen
Protect goods which need to be transported separately by trailer, such as plant or heavy machinery
Provides cover for your vehicles travelling on the continent, in terms of roadside assistance and accident cover. Learn more about EU Cover.
Finding the Right Fleet Insurance Policy
When you are looking for fleet insurance services, you need to know what kind of motor fleet insurance you actually need. Typically, you need fleet insurance for 3 vehicles or more, although some brokers only offer policies for more than five vehicles.
There are different requirements for cars than vans, for example, and the age of both your vehicles and drivers can influence the price of your policy. There are a few different types of vehicle and business that require specific features in order to be fully covered. These can include:
- Haulage Fleet Insurance
If you operate a haulage company that transports goods like coal or waste, you will need insurance that covers what can be very expensive vehicles. The risk factors of carrying such heavy, and sometimes dangerous goods, are high, which is why haulage fleet insurance can be costly. However, the potential implications of having an uninsured fleet could be huge. HGV fleet insurance is the best option for full protection
- Multi-Vehicle Fleets
If you have a fleet of many different kinds of vehicle (a mix of vans, cars and motorbikes for instance), you can get a policy that covers them all. This needs to be comprehensive as there will be different elements to insure for motorbikes than there will be for cars
- Van Fleet Insurance
Some large plumbers, electricians and decorating companies utilise a fleet of vans to carry out day to day work, moving business-critical equipment back and forth to jobs. In in this instance, van fleet insurance is the best choice. You can include tool insurance as a feature, so if your van is broken into, any equipment lost can be replaced quickly
Other Types of Motor Fleet Insurance
There are a number of other types of motor fleet insurance that differ from the types shown on this page. You may want to insure a private or public hire taxi fleet, or perhaps your family has a large number of personal vehicles. Below are some alternative situations where a different type of motor fleet insurance would be neede3d.
- Private/Family Fleet Insurance
If you want to insure a private or personal fleet, owned by several members of you family for example, you will need a different kind of fleet policy. Find out more about Family Fleet insurance.
- Taxi Fleet Insurance
Of course, there are many more types of business that use vehicle fleets, such as taxi and minicab companies.
- Courier Fleet Insurance
If you run a courier business, you can add all your delivery vehicles to one single policy. Find out more about Courier Fleet insurance
- Motor Trade Fleet
If you have a fleet of motor vehicles in the motor trade business, you will need to take out Motor Trade insurance for your fleet.
- Removals Fleet Insurance
If you run a removals company, you can insure your fleet of trucks or vans.
- Haulage Fleet Insurance
Haulage fleets of any kind can be insured, even if you haul and move hazardous goods.
- Rental Fleet Insurance
Rental fleets are even more at risk due to the varying nature of your customers driving ability.
Suggested Features for Fleet Insurance
Fleet cover can be as comprehensive as your business needs. The minimum level required by law is third party only (TPO), however with a fleet it is advisable to have your fleet insurance policy cover a number of other elements.
Fleet Insurance Any Driver
Some fleets are driven by different drivers every day. In this case, you should have any driver cover. This means that any one of the vehicles in your fleet can be driven by any one of your drivers whilst still enjoying the same levels of cover. Bear in mind that many insurers require drivers to be over the age of 25 and with clean licenses in order to issue any driver policies.
Public Liability Insurance
Drivers are faced with many risks on the road. From other vehicles, to pedestrians, to bad weather, there are any number of things that can affect your ability to drive safely. These risks are magnified when dealing with a fleet. Public liability insurance for your fleet will cover any costs associated with third party claims.
Replacement Vehicle Cover
Losing the use of just one vehicle in your fleet can significantly affect the efficacy of your business. One van could be the equivalent of many ‘jobs’, which leads to financial losses if they cannot be completed. Having replacement vehicle cover means the cost of a courtesy car or van will be covered, meaning you can keep your business running while repairs are being carried out.
Common Fleet Policy Exclusions
- Theft of a vehicle left unattended
- Theft by deception
- Mechanical breakdown
- Tyre replacements
- No claims discount
For large fleets, maintaining a zero claims record is challenging, especially when you factor in all the different drivers and vehicles. Instead, insurers may offer a ‘claims cost’, where they add up the cost of your claims over a fixed period (e.g. one year). The lower your claims are, the greater the discount applied to your premium.
Frequently Asked Questions about Motor Fleet Insurance
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- HGV Fleet Insurance
HGV Fleet Insurance
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- Taxi Fleet Insurance
Taxi Fleet Insurance
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- Van Fleet Insurance
Van Fleet Insurance
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