Motor fleet insurance is when you have insurance for a fleet of vehicles. You may have a large fleet of fifty assorted vehicles, or you may have mini fleet insurance if you are insuring less than half a dozen vehicles. If you are just starting up in business, and there may come a time when your business will own more than one company vehicle then you may need to think about getting motor fleet insurance. Motor fleet insurance is very similar to ensuring your individual car, you may decide to have only third party fire and theft, which basically means that if you are in an accident then the other person can claim for their vehicle and for any medical expenses, and you cannot claim anything. It is a good idea to have breakdown cover on your fleet vehicles if you don’t want your driver stuck on a country road at dead of night, or your vehicle abandoned. Breakdown cover will mean that you get roadside assistance to the site of the breakdown and possible help to get home.

If you want to be sure that a vehicle is covered in any eventuality, such as a crash or breakdown, then you want fully comprehensive insurance. If you insure a fleet of vehicles then you may decide to have different levels of insurance on each vehicle as this can sometimes be cheaper.

More often people have their whole fleet of vehicles insured for the same things, although this may involve a higher premium it does mean that all of the vehicles in your fleet are covered for just about anything. It is much better to get your motor fleet insurance from one insurance broker as you will pay less premiums this way. When you insure different vehicles with different insurance companies then you up your overall premium payments and you could get in a muddle remembering which vehicle has what level of insurance.

No related posts.