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Fleet Insurance provides coverage for business owners who operate multiple vehicles as part of their operations. This type of insurance is designed to simplify the management of insurance policies for multiple vehicles, offering a single policy that encompasses all vehicles in the fleet, whether they're cars, vans, trucks, or other types of vehicles used for business purposes.
What is Typically Covered:
Comprehensive Coverage: Protects against damage to your vehicles from accidents, theft, fire, and natural disasters.
Third-Party Liability: Covers the costs associated with damage or injury your fleet may cause to other people or their property.
Uninsured Motorist Protection: Offers protection if your fleet is involved in an accident with an uninsured driver.
Collision Coverage: Covers damage to your fleet vehicles from collisions, regardless of who is at fault.
Roadside Assistance: Provides assistance for breakdowns, towing, and minor repairs on the road.
Windscreen Cover: Covers the cost of repairing or replacing damaged windscreens and windows.
What is Not Typically Covered:
Wear and Tear: Standard wear and tear on vehicles is not covered.
Damage from Unapproved Use: Damage resulting from ... use of the vehicle for purposes not covered by the policy, such as racing or other high-risk activities.
Mechanical Breakdowns: Unless specifically included, mechanical failures or breakdowns are not typically covered.
Intentional Damage: Any damage intentionally caused by the policyholder or authorized drivers.
Drivers Outside Policy Terms: Incidents involving drivers not declared on the policy or not meeting the policy criteria (e.g., age or driving history).
The Broad Risk Difference
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"You First" Principle
Your business comes first. We align our services with your values and needs, providing expert advice and insurance protection that allows you to focus on what matters most—growing your business with peace of mind.
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Accountability
We take full responsibility for the services and recommendations we provide. Every action is designed to deliver results, fostering trusted, long-term relationships with our clients. Your satisfaction and security are at the forefront of everything we do.
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Expert Solutions
With over 15 years of experience, we specialise in delivering tailored advice and solutions to protect your business. We customise our offerings to your unique needs, ensuring comprehensive coverage and peace of mind.
Frequently Asked Questions
1. What is Motor Fleet Insurance?
Motor Fleet Insurance is a policy that provides coverage for all of a business's vehicles under one policy, simplifying ... the insurance process and often providing cost savings.
2. Who needs Motor Fleet Insurance?
Any business that operates multiple vehicles, whether small or large, can benefit from Motor Fleet Insurance to ensure all their vehicles are adequately covered.
3. Can I add or remove vehicles from the Motor Fleet Insurance policy?
Yes, Motor Fleet Insurance policies are flexible, allowing you to add or remove vehicles as necessary.
4. Does Motor Fleet Insurance cover personal use of the vehicles?
This depends on the policy. Some policies may cover limited personal use by employees, while others may not. It's important to check with your insurer.
5. Are there any discounts available for Motor Fleet Insurance?
Insurers often offer discounts for Motor Fleet Insurance based on the number of vehicles, claims history, and safety programs in place.
6. What should I do if one of my fleet vehicles is involved in an accident?
You should report the accident to your insurer as soon as possible and provide all the necessary documentation and information required for the claims process.