Low cost fleet insurance from Active Insurance

A business fleet insurance policy is probably an essential component for firms that operate 4 or more vehicles. Existing fleet operators will usually know what is involved in obtaining a cheap fleet insurance quote but for the new operators it can be daunting. With a bit of research a new fleet operator can obtain the various options available on commercial fleet policies.

With so many companies offering motor fleet insurance policies it can be difficult to assess which one would be the most appropriate for your needs. A good option would be to use a specialist broker that have the knowledge and the market to offer great fleet insurance quotes and also provide assistance in implementing good risk management processes. By utilising the services of a fleet insurance broker you can be assured that they will try to obtain the best possible terms for fleet without compromising the level of cover you may require.

Also you can be assured that all professional insurance brokers are authorised by the Financial Services Authority (FSA). The FSA is an institution that regulates all General Insurance activities within the UK and as of 14th January 2005 all brokers have to be registered with them to transact general insurance business.

The policy wording on a motor fleet insurance can be best described as ‘challenging’ to understand but brokers that deal with fleet insurance enquiries on a regular basis can help translate the policy wordings into meaningful and easily understood language. Also brokers will have access to a whole range of fleet insurance companies, thus saving you time, as they will do the search on your behalf. Each fleet insurer has different criteria as to what a fleet is; for example some insurers will offer terms on a three vehicle fleet whereas others will only offer terms if you own five or more vehicles. Again the fleet broker will be able to advice on the best options available to you.

You have to be aware of a number of key points when you decide on a motor fleet insurance policy;

• Named drivers or any driver policy.
• Drivers aged under 25 will normally have to be named on the policy.
• Previous claims history.
• For existing fleet operators a confirmed claims experience document is normally required.
• Driving training, driver applications.
• Level of cover required on the fleet.

Even if you have an existing fleet insurance customer it still is worth shopping around to see if a cheap quote can be obtained. New fleet insurance companies could be in the market that can lower your premiums. Generally the best option is to go through specialist fleet insurance company that will have access to the whole market and are able to provide competitive quotes.

Active Insurance is an independent insurance broker and is committed to providing quality fleet insurance cover for UK based fleet operators.