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Active Fleet Insurance

A motor fleet insurance is a policy that provides insurance cover for multiple motor vehicles under one policy for commercial organisations and private individuals. A commercial fleet policy can bring many benefits to companies and businesses as they can mix and match the level of cover on individual vehicles and there is only a single renewal date to remember. If the company has a mixture of cars, vans and haulage vehicles, all of these can form part of a single fleet insurance policy.

Majority of the fleet insurance companies will require copies of driver licences of owners and employees that will be driving the fleet vehicles. Any driving offences, non motoring convictions and claims details, also have to be declared before the policy inception for each driver. This information helps the fleet insurance company to calculate the premium of the policy and any terms and conditions that may be applicable. Remember, these are not the only rating factors used by an insurer.

The level of cover you want on the fleet is dependent on your individual commercial needs. The levels of cover available of a fleet policy are Comprehensive, Third Party Fire & Theft and Third Party Only cover. The same level of cover can be applied across the whole of the fleet or if you require some vehicles to be set at a different level of cover, again that can be arranged on a commercial fleet insurance policy.

Cheap fleet insurance policies can be obtained especially if you have an existing fleet policy and have good risk management in place. Another important factor is the claims experience. The amount of money the insurers paid out to the amount of premium paid. Obviously if there are no claims made then the premiums will usually fall. Discounts apply to the number of drivers and claims experience and also the number of vehicles being insured. Another important factor is driving training. Some fleet insurance companies apply discounts if you have formal driver training procedures in place.

Fitting alarms, immobilizers and trackers will also be looked at favourably by a fleet underwriter as this is a great security measure in prevention of the vehicle being stolen when not being utilised.

The size of the vehicle is another factor that is used to calculate the fleet insurance premium. For commercial vehicles such as haulage trucks, the gross vehicle weight is taken into account by fleet insurers.