A Few Points About Fleet Insurance

What is it about insurance that makes people want to buy it cheap? It doesn’t matter how much we pay for our cars we always want to buy the cheapest possible insurance for them. The latest wheeze to make our insurance premiums cheaper is to group a few together for people that live under the same roof and call it a family fleet insurance.

That’s all very well for those of us with families of careful drivers (yeah right!) but what about those who live with a boy racer? Isn’t it possible that they don’t end up with cheap car insurance at all let alone cheap fleet insurance?

The way fleet insurance was originally intended to work was with about 100 Vauxhall Astras insured by a company for their driving staff. This isn’t actually what most fleets are though. Many fleets are made up of mixed vehicles. Cars, Minibuses, Lorries, even Motorbikes can end up on the same policy.

If you’re really, really bored on a long journey a cheap (very cheap!) way of amusing yourself is to look at each vehicle that you pass (or passes you) and trying to work out whether they are insured under a fleet insurance policy or not. The good news is that this is a game you can’t lose (unless you’re planning to stop each of them and actually ask whether they are insured with a cheap fleet insurance) but to help make sure you win you might like to consider these tips;

Vehicles that are clearly owned by a company i.e. those that display a logo will probably be covered under fleet insurance, cheaper vehicles are probably not (if indeed they’re covered at all!) cars driven by racers who speed around roads are almost certainly not, police cars almost certainly are, and what about other kinds of businesses? Butchers, bakers, candlestick makers taking out fleet insurance? Maybe!

So when you decide how you want to insure your vehicle and whether or not fleet insurance is the way forward for you, the best (and most obvious) way to make that decision is to see which option is cheaper. It’s probably best not to ask a Meerkat or a fat opera singer about fleet insurance as they probably won’t be able to help you. The best choice would be to talk to a real live insurance broker who knows the industry and can honestly provide you with the cheapest insurance option (fleet or otherwise) to suit your individual needs.

If you feel you might need some fleet insurance then you should give Coversure a call. They are specialist insurance brokers with great relationships with some of the country’s leading insurance providers so they can make sure you get the best deals on anything from fleet insurance to motorhome insurance.