When people talk about having a fleet of vehicles it is all too easy to imagine fifty cars or vans sat on the forecourt waiting to be taken out by drivers. While this may be the case for large businesses, many a small business has less than half a dozen vehicles, but these vehicles still need insuring. If you have half a dozen vehicles or less then you might want to think about mini fleet insurance. Your fleet may consist of more than one type of vehicle and if this is the case then your insurance needs may be more complex.

Many companies that offer fleet insurance and mini fleet insurance have a number of different packages available. If you take care of your vehicles, regardless of whether you want to insure a large or a mini fleet, then you are much more likely to get insurance with cheaper premiums than someone who doesn’t take care of their company vehicles.

Most companies offer third party fire and theft and this is the basic insurance if you live in the UK – similar to limited liability insurance if you live in the United States. If you are a new company that plans to build on your fleet over time then it is worth looking for a mini fleet insurance company that gives competitive rates to new businesses.

You probably need breakdown insurance as well as third party fire and theft as this will ensure that if a driver has problems he or she will receive roadside assistance.

It is worth the time and effort to have your vehicles fitted with an immobiliser or something similar as insurance companies look favourably on clients who take the time to try and avoid problems such as a stolen fleet vehicle.  It is a good idea to find mini fleet insurance where you get a courtesy vehicle if one of your drivers has been involved in an accident.

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