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Mixed Fleet Insurance Can Save You Pounds! [print this page] Owning a fleet of vehicles can be tough work, even if it is part of your business. A fleet requires a lot of care and maintenance, as well as organisation and keeping all the paperwork in order. Logs must be kept, rules are often established deciding who can drive what vehicles where, and if your business is expanding, introducing new vehicles into a fleet can be a hassle.
This is why it is important to purchase fleet insurance. If you already own a fleet of vehicles, this type of insurance can save you a lot of money and time that can be given to other areas of your business and life. Having every vehicle insured on the same policy is very efficient and often reduces many hassles, especially in the event of making a claim. But what if you own a variety of vehicles?
Well, mixed fleet insurance was created for just this purpose. A car or van fleet insurance policy will generally only cover that specific type of vehicle, but if your fleet is made up of a combination of both, you can put them onto the same insurance policy and save many pounds in the long run. This can also be useful if you own your own vehicle, as it can be put onto a mixed fleet policy as well. Whether you are a car collector or business owner, it may be well worth looking into a good policy for your fleet.
Finding a policy which is right for you can be a little difficult, as rates and requirements vary between providers and not all insurance providers offer a mixed fleet policy. It can also be difficult to receive an accurate quotes up-front as different situations call for different levels of cover. It may be worth installing alarms and/or tracking devices into the vehicles, as well as introducing age restrictions on more expensive vehicles to help lower the costs even further. Increasing the safety and reducing the risks of accidents will look very good to insurance providers, who will help lower your premiums significantly.
As with any type of vehicle insurance policy drivers who have a proven no claims driving record will be offered lower premiums, as such it may be wise to opt for these drivers to use the most expensive vehicles in your fleet. Likewise, young and inexperienced drivers will increase the premiums, in some circumstances it may be more cost effective to insure young and/or inexperienced drivers under a separate policy.
Some companies also offer to cover as few as two vehicles, though the minimum is more often three or four. If you are considering putting just two vehicles onto a fleet insurance policy, be sure to check into individual rates with other companies as well to find out if it is really cost-effective for you. Having more than three vehicles, fleet insurance should be an obvious choice. You can get great cover for any number and variety of vehicles and in the process save a lot of money on your insurance premiums.
by: Paul Headley
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