Fleet insurance

What is fleet van insurance?

Fleet insurance is available for many types of enterprises and vehicles. This includes courier fleet insurance, commercial fleet insurance, van fleet insurance, and so on. This means that no matter how many vehicles you have in your fleet, you can insure them all under one policy.

If you have numerous vans to insure, fleet van insurance is a good option. If you want to avoid dealing with many policies or providers, this can be handy for business owners with multiple vans that need to be insured.

We compare fleet insurance, allowing fleet owners to quickly and easily obtain a fleet insurance quote from a panel of insurance providers.

What is the maximum number of vans that can be included in a fleet?

The number of vehicles covered by a single fleet cover varies depending on the supplier. Most, however, will have a minimum and maximum number of vans. The maximum number of vans might be hundreds or even thousands.

What kinds of vans are included in a fleet?

Most companies will allow you to cover a range of vehicle types. such as:

  • Pick-up trucks
  • Tipper Vans
  • Light vans
  • Vans with single or double cabs

Some even include any vehicle cover as part of a general fleet insurance package. It is always a good idea to double-check with the insurers to see what exactly is covered. This way you'll know whether or not you'll be insured before you buy the policy.

What am I able to do with my fleet?

Most fleet van insurance companies provide cover for a variety of business purposes, including:

Haulage and courier – this covers long-distance transportation of commodities under haulage and courier business insurance.

Hire and reward - hire and reward business van insurance is typically used for one off jobs like furniture or big electrical items removal.

Carriage of own goods - if you drive your van while carrying your own business things, you'll be covered by a carriage of own goods policy.

What is covered by fleet van insurance?

The amount of cover you get from a fleet van insurance policy is determined by the level of cover you choose to take. The different covers are as followed:

Third-party insurance - this reimburses you for any harm you cause to another person, their car, or their property. It won't pay for damage to your own vehicle.

Third-party, fire, and theft insurance - this covers everything covered by third-party insurance, as well as theft and fire damage to your vehicle.

Fully comprehensive insurance - this entails all of the above, as well as any additional type of damage to your vehicle that is specified in your policy.

Fully comprehensive insurance

You should be able to insure your van fleet for one or more of the following, depending on the provider:

Breakdowns - If your van(s) breaks down, you will be helped to get back on the road.

Replacement vans - While yours is being repaired, you'll be given a courtesy vehicle to utilise.

Protection against no-claims discounts - If you have to make a claim, it won't affect the price you pay for insurance in the future.

Use in other countries - You will be free to use your van(s) in other countries. However after the Brexit transition period, you may be required to have a green card while driving in Europe.

Employers' liability insurance – This protects you against any compensation payments and legal fees that may arise if an employee becomes ill or injured as a result of the work they do.

Public liability insurance - This protects you from legal fees if you or your company is found to be at fault for an injury to a third party or damage to their car or property.

Windscreen cover - This protects you if your windscreen is damaged, such as if it cracks or shatters.

Personal accidents - If you are wounded as a result of being engaged in an accident, this can cover your medical costs or provide you with compensation.

Trailers – You will be insured if you drive your van with a trailer hitched to it.

How much does it cost to insure a fleet of vans?

There are some general money-saving ideas that apply to most types of car insurance. Consider the following things in addition to shopping around for fleet insurance quote online for the best cheap fleet insurance deal. Fleet insurance costs of insuring your fleet of vans will be determined by various factors:

The drivers

If your company hires drivers, selecting older, more experienced drivers or those with clean driving histories can help you save money on your insurance. If you have younger drivers, lowering their mileage and ensuring they only drive during the day can help you save money on insurance - it might be wise to consider a telematics policy.

Your vans

Insurers consider smaller and less powerful vans to be safer to drive, which means your rate will likely be lower. The same can be said for hybrid or electric vans.

Your safety

Installing immobilisers and storing your vehicles in a garage or locked parking lot with CCTV can cut your insurance costs by reducing the chance of theft.

Your claims history

If you have a history of previous claims, insurers may view you as a high risk of claiming again in the future, which could increase the cost of cover.

Your policy

If you add extras like a replacement car or a trailer insurance to your policy, your premiums will go up. Some extras are essential for example, if your company relies heavily on its van fleet, a breakdown cover insurance can help you keep things going smoothly. You should think about whether you require any extras, as otherwise you will be paying for a cover you won't actually need.

Your excess

Insurers frequently allow you to pay a voluntary excess fee, and the more you pay, the cheaper your insurance costs are likely to be.

Frequently asked questions

What is the definition of a fleet insurance policy?

The term "fleet insurance" refers to a policy that covers a group of vehicles. The vehicles can be registered in the name of the company, a partner, or a director, allowing you to have a single insurance that covers your entire business.

Is it possible for anyone to drive a fleet insurance policy?

Most fleet policies are set up on an Any Authorised Driver basis, which means that anyone with the company's/directors' authorisation can drive. If included, young drivers under the age of 25 will normally have a higher excess to pay when driving.

To get fleet insurance, how many vehicles do you need?

While some companies need a minimum of five vehicles to acquire fleet insurance, others allow businesses with as little as two vehicles to do so. In many circumstances fleet insurance is most cost-effective when you insure at least three cars.

What are the advantages of fleet insurance?

There are various advantages to having fleet insurance for your company, including less hassle as you just have one renewal date and one policy to worry about. Vehicles can be added or removed from your cover at any time during the year!

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