Motor Fleet Insurance

In House Claims

Bespoke
Insurance
Solutions

Risk Management

Expert
Advice

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

Image

Request a callback

Send us your details and we'll be in touch.

This field is for validation purposes and should be left unchanged.

Property Owners

If you own a property it is important to have appropriate insurance covers in place.
Learn More

Business Interruption

We would always recommend insuring on a Gross Revenue / Gross Profit basis, together with additional costs as from experience following a loss, the policyholder would have to spend more money than necessary in order to keep the business functioning
Learn More

Directors & Officers Liability

In today’s rapidly changing business climate, regulators are increasingly more vigilant about internal controls and corporate governance meaning the need for superior Directors and Officers Liability cover has never been greater.
Learn More

Professional Indemnity Insurance

Professional Indemnity insurance will cover expenses incurred in your defence if you are alleged to provide inadequate advice, services, design or specification resulting in your client losing money.
Learn More

Cyber Liability & Financial Crime

During the last five years there has been a dramatic increase in the number of cyber attacks and financial fraud to businesses throughout the UK.
Learn More

Crisis Management, Kidnap & Ransom

Business people making trips to high risk countries around the globe can put themselves at risk from kidnapping, ransom and other types of crises.
Learn More

Terrorism

Have you considered Terrorism Insurance? Did you know that Terrorism cover is a standard exclusion from all UK insurance policies?
Learn More

Hauliers/Freight Forwarders Liability Insurance

As a haulier operating for hire and reward or a Freight Forwarder, you are exposed to claims in respect of your legal responsibilities for injury to your employees and public, together with property damage arising from your activities.
Learn More

Marine, Transit & Cargo Insurance

Cargo comes in all shapes and sizes and insurance plays a vital role in covering you from a variety of incidents that can occur while in transit.
Learn More

Legal Expenses

In the event of legal action, having an insurance policy to cover your costs is vital for your business.
Learn More

Commercial Combined

Commercial combined insurance is designed to provide cover to protect you against risks to your business and can be tailored to your requirements.
Learn More

Computer Insurance

Every business in the world now relies on computer and technology in order to keep its operations on track.
Learn More

Employers Liability

Employers’ Liability insurance is a legal requirement and failure can lead to you being handed significant fines.
Learn More

Products Liability

Having Product Liability Insurance is essential for your business if you supply a product.
Learn More

Public Liability

Public Liability Insurance is essential cover for businesses offering protection against compensation claims if clients, suppliers or the public suffer injury or property damage because of your business.
Learn More

Contract Works Insurance

Whether your building project is straightforward or complex, you should have a contract that clearly outlines the project’s essential details.
Learn More

Employment Practices Liability

Employee litigation is currently on the rise, making it even more essential to have Employment Practices Liability Insurance in place.
Learn More

Engineering Inspection Cover & Machinery Insurance

It is a legal requirement for regular engineering inspections of lifting and pressurised machinery and equipment in your commercial premises.
Learn More

Group Travel Insurance

Having company Travel Insurance is beneficial to protect the key people of your business who regularly have to travel.
Learn More

Machinery Movement

Machinery Movement Insurance covers you for any installed machinery or equipment in your possession at a specified location.
Learn More

Motor trade insurance

Motor trade insurance is a vital requirement for anyone buying, selling or running a car garage.
Learn More

Shops Insurance

Shop Insurance is primarily designed to provide cover for all areas of a retail business with commercial premises.
Learn More

Tradesman Insurance

There are thousands of different tradesmen all with varying needs of insurance due to the levels of risks with their work.
Learn More

Signup to the l wood newsletter to receive tips, guidance and news.

For further details on how your data is used and stored, read our Privacy Policy

This field is for validation purposes and should be left unchanged.