Finding The Right Fleet Insurance For Your Business
Finding a motor fleet insurance policy that fits with your businesses insurance needs can be a challenging undertaking
. Whilst there a large number of insurance companies offer a standard fleet insurance package to cover a number of different vehicles it is usually best to approach a specialist insurance broker who used to working with commercial insurance policies such as motor fleet. This way you can tailor an the motor fleet insurance policy directly to your business needs for a good price, getting adequate cover to protect your business operations for a good price.
When opting for a fleet insurance policy, there are the three usual levels of coverage available. These are third party only, third party fire and theft and comprehensive.
Third party only is the lowest level of cover, and whilst it is the cheapest option it is often either suitable or adequate for a fleet insurance policy. Most commercial vehicles are valuable and can contain valuable contents which is important to safeguard. Even if this vehicle was stolen you would not be covered and therefore it is not recommended.
Third party fire and theft will help protect your business from damages caused to third parties in the event of accident, or if one of your vehicles is stolen or damage from a fire. Whilst it provides further cover than third party only, comprehensive is the most recommended as it will protect your fleet of vehicles against most risks. However it is important that you read the terms and conditions of all fleet insurance policies as what may be covered in comprehensive cover by one insurer may not be the same from another.
Some motor fleet insurance brokers will be able to provide you with a number of policies that have varied cover. If you feel that your business may be subject to particular risks then you can ensure that taking out extensions adequately covers you on your fleet insurance. These could include cover for breakdowns, windscreen damage, courtesy vehicles or the legal expenses that can arise due to an accident. You may find that some of these extensions are provided free of charge as part of the cover or as a bonus.
Premiums on fleet insurance are also highly dependent on the drivers you wish to insure and their driving history. So its important who you choose to drive your vehicles as you can have much lower premiums for drivers who are over the age of 25 and have not made ay claims. There is a lot to think about when finding the right fleet insurance policy for your business, but if you use the relevant commercial specialists then you should receive a lot of guidance and assistance to make sure you have something that is tailored directly to your needs.
by: Neil Anderson
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