Motor Fleet Insurance
A Dedicated and Experienced in House Claims Team
We create insurance solutions to meet your needs
Assistance with Risk Management
Expert Advice from Over 60 Years of Experience
Motor insurance is a legal requirement, and Motor Fleet Insurance is a more flexible approach to insuring vehicles used by a company.
No matter the size of your fleet, we can recommend the most appropriate solution to suit your business.
The advantage of having all of your vehicles under one fleet policy is that it’s simpler to manage, with a single renewal date for all vehicles, and the policy allows for “Any Authorised Driver”. It can be more competitive in comparison to having multiple single-vehicle policies.
The policy can cover vehicles owned by the company or ones registered to directors of the business.
Our partners are all well-established fleet insurers and offer a 24/7 motor claims management helpline.
How many vehicles do I need for Motor Fleet Insurance cover?
Fleets start at just three vehicles; however, this varies between insurers.
What vehicles will be covered by Motor Fleet Insurance?
Some insurers have an 'any vehicle' policy which covers anything from cars and motorbikes to HGVs and forklifts.
We would always carry out an assessment of all of the fleet vehicles you require cover for and find you an insurer who can provide insurance for every one of them.
What usage can be covered under a Motor Fleet Insurance policy?
Primarily the cover would be for business use and commercial travelling as standard, but some policies are flexible enough to include private use of company cars by family members.
Types of cover
Cover options are similar to those of standard car insurance policies:
- Third-Party - Protect other people if an accident was the fault of you or your driver.
- Third-Party, Fire and Theft (TPFT) - Adds cover for fire damage as a result of an accident or theft of vehicle.
- Comprehensive - Covers any damage to your own vehicles and any injuries.
How to cut the cost
To cut the cost of premiums you need to limit the number of risks.
This can be done by employing drivers over the age of 25 with clean records.
You can also send your drivers on training courses to demonstrate their driving ability and installing black boxes and dashcams in your vehicles.
Other options include technology such as security options for monitoring your unattended vehicles. These would include CCTV in your car park or locked garages.
To find out more and to discuss your needs, please contact us on 01274 515 747 or email us at mail@lwood.co.uk
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