How is Motor Fleet Insurance different from Commercial Vehicle Insurance?
If you have 3 vehicles or more, they can usually be insured under a Motor Fleet policy. This means that instead of having a policy for each vehicle with each having its own No Claims Discount, all the vehicles on the policy have the same Fleet discount.
For more information, click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.
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Can I only Insure Commercial Vehicles on a Motor Fleet policy?
No, you can have almost any type of vehicle on a Motor Fleet insurance policy. Some insurance companies don’t like certain types of vehicles eg large minibuses or very large HGV’s but usually all your vehicles can be insured under the same policy, including cars.
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When would I have Commercial Vehicle Insurance as opposed to a Motor Fleet Insurance Policy?
When you have less than 3 vehicles it is usual to have a separate insurance policy for each vehicle
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Your website only mentions Commercial Vehicles and Motor Fleet Insurance – do JCB not do car insurance?
Whilst we are able to insure an individual car, if that’s all you’re looking for, there are lots of private car insurance websites who are almost certainly going to be more competitive than us – just trying to be honest.. If your car is part of a larger number of vehicles, we will be able to help with Motor Fleet insurance.
If you want to talk it through, Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through what you need.
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What are the Advantages of Motor Fleet Insurance?
There are 3 main advantages of Motor Fleet Insurance for your business. It is Convenient with one renewal date and vehicles can easily be added or taken off during the year. It is usually Less Expensive to insure multiple vehicles under a Motor Fleet policy. Instead of having named drivers on each vehicle with individual policies, Any Driver with your permission can usually drive any of the insured vehicles.
Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through your options.
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Are there any Disadvantages to Motor Fleet insurance?
It usually costs less to insure your vehicles under a Motor Fleet policy and if you have the occasional accident, the risk is balanced out over the rest of the vehicles so your premiums won’t usually increase dramatically. If you have a particularly accident prone driver however, their accidents will impact the premium for all the vehicles, not just theirs.
We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877
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Can I choose what type of cover I have under my Motor Fleet insurance ie Fully Comprehensive, Third Party Fire and Theft etc?
Yes, you can have any of the following; Comprehensive, Third Party Fire and Theft or even Third Party only. Also, you don’t have to have the same level of cover on all vehicles either you can choose what cover you have on each specific vehicle. That is part of the flexibility of Motor Fleet insurance.
Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877 and one of the Team will be happy to talk through your options.
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Who can drive the vehicles covered by Motor Fleet Insurance?
Fleet insurance is typically on an ‘Any Driver’ basis but in recent years, Insurers have looked to restrict driving to ‘Any Driver under 25’ years of age. That’s not to say Insurers won’t insure younger drivers, but usually they want to limit their exposure and will specifically name younger drivers and maybe restrict them to certain vehicles.
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What if one of my Employees needs to drive for work but has a motoring conviction?
Provided the conviction is not too serious, for example an SP30 speeding conviction, this will not be a problem until drivers have more than 6 penalty points. For more serious convictions, Insurers will usually look to impose special terms for that driver as they represent an increase perceived risk. These could be an increased excess in the event of an accident or restricting cover to a specific vehicle and only allowing driving when necessary for work only and not allowing driving for social, domestic and pleasure purposes.
We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877
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