Whether you have a fleet of commercial haulage trucks or run a local taxi service, you have a legal requirement to ensure all your vehicles are correctly insured. Motor Fleet insurance is a convenient and effective way of covering all your vehicles under one policy, with a single renewal date – meaning less administrative work for you.
Giving you a choice over the cover you select for each of your vehicles, from comprehensive cover, to third party fire and theft and third party only, Motor Fleet policies are both practical and flexible. Most Motor Fleet policies allow you to insure different classes of vehicle under one policy, meaning you can cover heavy plant alongside vans or include agricultural vehicles with heavy goods vehicles all in one policy.
By taking out a Mixed Fleet policy you can add and remove vehicles as you change your fleet. You can also include all private vehicles under one policy, and can choose whether to cover them under a ‘named driver’ or ‘any driver’ stipulation. Having a flexible policy not only means that you can adapt your cover as your business changes, but you could also benefit from cost efficiencies on your premium.
In the unfortunate event that you need to make a claim on your Motor Fleet policy, an Excess Protect Policy allows you to claim back your excess, even if you were the one at fault. Covering one claim per annual policy, Excess Protect cover can be a cost-effective way of ensuring that you are not left out of pocket should you be involved in an accident or suffer third party damage, fire or theft and need to claim on your motor insurance.