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Fleet and Multi Vehicle Insurance: Compare and get a quote today
If you are responsible for insuring a number of vehicles for your small business, large business or family then you may need to consider a fleet insurance policy. These insurance policies save you both time and money and the hassle of insuring each vehicle on their own.
What Is Fleet Insurance?
Fleet Insurance is a policy to insure multiple vehicles in connection with your business. This can be anywhere from 2 vehicles or more. You will generally find a fleet policy is cheaper than insuring 1 vehicle at a time and fleet policies do not have a no claims discount, instead its called claims experience. Typically when you have fleet insurance the insurance providers will take the total number of vehicles, the total number of claims and the frequency to calculate the costs of you insurance. This can prove cheaper than insuring 1 vehicle at a time.
What Vehicles Can I Have On A Fleet Insurance Policy?
You can insure a range of different vehicles on a fleet insurance policy. This can include cars, vans, trucks, lorries, taxies a combination of them all and many more.
What Type Of Cover Can I Choose For Fleet Insurance.
- Comprehensive Cover: Covers you for the loss or damage of your vehicle and also a third parties vehicle. This is the highest level you can choose from and in some cases is actually the cheapest.
- Third Party, Fire And Theft: This is the second highest level of cover, It will cover you for theft of the vehicle as well as malicious or accidental fire damage. This will only cover a third parties vehicle in the event of an accident.
- Third Party Only: This is the lowest level of cover and will only pay for a third parties vehicle in relation to an accident.
What Is Multi Vehicle Insurance
You can compare Multi Vehicle Insurance through us. This can be for any vehicle that is owned by you which includes 2+ vehicles. Generally Multi Vehicle policies are family based however you can have business multi vehicle policies. With a multi vehicle policy you will earn No claims discount through these not claims experience just like normal car insurance.
What Additional Cover Can I Have With Fleet Insurance?
- Break Down Cover: You may be out working one day or evening and find that your vehicle has broken down. As this is your business and source of income, having breakdown insurance can take away a lot of stress if it happens. This could include towing your Vehicle to your home or a garage, side of road tyre changes or repairs.
- Public Liability: This will protect your passengers and other members of the public if you have an accident or injure another person as a result of your business.
- Legal Cover: If you were to have an accident or injure someone else you may have to defend your case in court if it wasn’t your fault or even if it was. This fees can lead to thousands of pounds.
- Goods In Transit: As well as insuring your vehicle its worth considering insuring the goods that are in transit. This would cover for any theft, loss or damage to the goods.