Commercial Fleet Vehicle - Insurance Services Surrey
Rather than separately insuring multiple vehicles, a Motor Fleet policy is the usual way for a business to cover them. Many vehicle types can be insured this way including for cars, vans, lorries, minibuses and special types (fork lift trucks, diggers, dumper truck etc). Fleet policies are now available from two vehicles and up; although the majority of commercial insurance fleet offerings start at three or more.
At Insurance Services Surrey, like private motor insurance, our Surrey located broker cover options include Comprehensive, Third Party Fire and Theft or Third Party Only and it is possible to mix cover and the type of vehicle with most providers. You can usually choose open driving (i.e. any driver) or can restrict to drivers over certain ages, such as 21, 25 or 30.
Comprehensive Cover usually incorporates windscreens, personal effects and medical expenses. You can even include ‘Occasional Business Use’, if your drivers need to be covered on a vehicle outside of your own fleet but for your business purposes.
In order to rate their premiums, Insurers will look at many factors including include the type of cover required, type(s) of vehicle, age and value of vehicle, driver age restrictions, claims experience, profile of drivers (i.e. split in numbers of older/younger drivers, number of convictions/accidents), risk management (driver training/use of dashboard cameras/use of telematics/drivers responsible for excess if fault claim etc). Many insurers will have commercial partnership arrangements with providers of some of the aforementioned risk-management products so discounts for implementation are often available.
We are able to access many motor fleet insurers. Please either call us on 01483 532921, complete our enquiry form or email us at enquiries@insurancesurrey.co.uk to discover how our broker in Surrey can assist you in managing your motor fleet.