If you run a business with more than one vehicle, fulfilling your legal requirement to keep them all insured can be something of a headache. It’s usually well outside the scope of a business insurance policy, or even standard car insurance or van insurance which usually only applies to a single vehicle.
Matters can get even more complicated if you employ multiple drivers, especially if they’re likely to drive different vehicles at different times. Insuring all your vehicles and all your drivers under one fleet insurance policy is likely to be the most convenient option, especially if you find a deal offering one renewal date, with just one premium to pay. In many cases, a fleet policy can also be the cheapest option.
How many vehicles count as a fleet?
The definition of a fleet will vary from insurer to insurer, and most will set a minimum and maximum size. The minimum can be as low as two vehicles, while the maximum can run into hundreds or even thousands of automobiles.
What types of vehicle can go on fleet insurance policies?
While there will be some insurers who specialise in areas such as van fleet or taxi fleet cover, most providers are flexible in the sort of vehicles that they’re able to include on a fleet policy.
Private use cover on fleet insurance Many fleet vehicles are also used in a private capacity by company employees, their family and friends. If automobiles in your fleet are used in this way, ensure they’re covered by your insurance policy – this is a typical exclusion on fleet policies.
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