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Fleet Advice from Coversure Insurance Services

Fleet
Advice

Why buy Fleet Insurance?

There are many good reasons to buy fleet cover rather than an insurance policy for each vehicle you own and these include:

  • Having a fleet policy will reduce the administrative burden on your organisation
  • You will have one renewal date and one insurer
  • With Coversure's flexible payment options you can spread the cost of your fleet insurance across the year
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What sort of vehicles can be covered by Fleet Cover?

It's a popular misconception that fleet policies are meant exclusively for large company car fleets, but this is not the case. Coversure's Fleet Insurance is available for as few as 2 cars and any type of vehicle; cars, motorbikes, trucks, buses, vans and lorries - Coversure can even find you fleet cover for forklifts, cranes and bulldozers.

What types of Fleet Insurance are available?

Whatever your specific fleet requirements, fleet insurance comes in the same three main levels of cover that ordinary motor cover does: Third Party, Third Party Fire and Theft, and Fully Comprehensive.

The biggest difference is in how your fleet is rated by the insurer. Instead of rating on each vehicle and earning a no claims discount, the insurer will rate on the claims experience of your entire organisation.

What is not covered by Fleet Insurance?

Largely the same things that are not covered by a standard motor policy will not be covered by a fleet policy, and it is usual to have an excess on each claim - the amount of money that your organisation will have to pay and the insurer will pay the rest.

What does Fleet Insurance cost?

As you would expect the cost of fleet cover depends on how many vehicles you have, what the vehicles are, who drives them, what they are used for and where they are kept. For these reasons it is impossible to give a figure here but if you contact your local Coversure Insurance office they will be happy to provide you with a detailed and competitive fleet quote.

Fleet Insurance: What to look out for

Fleet insurance policies vary in their cover with the better policies including elements such as travel to the EU. Other things you may wish to consider when reviewing fleet insurance quotes are:

  • The amount of cover for radios and stereo equipment
  • The amount of excess to be paid on broken windscreen claims and whether this cover is included
  • Whether vehicles are covered for theft if you leave your keys in them. These days most fleet policies will not cover you for this eventuality

Which Fleet Insurance options are worth having?

The most common fleet insurance policy add on is legal protection. This will provide you with help to recover your uninsured losses if you have an accident which is not your fault. For example, if you have third party fleet cover and someone runs into the back of your car, damage to your vehicle is not covered by your insurance but should be covered by the other driver's insurance. If you have legal protection cover in place, you will have access to someone with the skills and experience to make sure that the other driver's insurer reimburses you properly and in a timely fashion. If your car is unroadworthy but repairable as a result, they will be able to provide you with a hire car subject to availability which should also be paid for by the other driver's insurance company.

If you have comprehensive insurance, your insurer will normally provide this service for you, but you will still have uninsured losses such as your excess and the legal protection cover will provide you with the expertise to get this back from the other driver.

You can also sometimes purchase discounted breakdown insurance with your fleet policy. This will normally represent a considerable saving over purchasing breakdown insurance directly from one of the motoring organisations. For more information on adding legal and breakdown cover to your fleet policy, please contact your local Coversure office.

Fleet Cover: The legal stuff

This is just an introduction to fleet cover and is not intended to be representative of the covers or restrictions offered by any particular insurance or that all insurance provide the protection described. You can get a recommendation for a particular insurance to suit your own circumstances by talking to the skilled staff at your local Coversure office.

Find your local Office

If you want our best price for your insurance or just want to make sure you have exactly the cover you need, it’s best to talk to your local Coversure office who will have access to the latest schemes and discounts.

Simply enter your postcode and find the contact details for your local office.





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