subject: Fleet Insurance - The Easy Way [print this page] One of the most used insurance policies in the United Kingdom, the role of the different forms of fleet insurance is accentuated by the fact that the government of the United Kingdom has made it mandatory for every motor related business to possess a valid fleet insurance policy. So exactly what is this insurance policy all about?
Well, explained in simple terms, this insurance is all about providing coverage to a fleet of cars that one may possess as a part of a commercial establishment. Through this form of insurance the owner of the fleet can obtain a similar amount and kind of insurance coverage for all the cars in the fleet irrespective of their size as well as their make.
There are several kinds of fleet insurance policies that you could opt for. However, there are a few things that you would need to keep a look out for, before investing in such a policy. One of the most important factors in this regard would definitely be the fact that this specific form of insurance policy requires a valid driver's license. Thus, in case you are the owner of a motor dealership company or agency and employ numerous drivers, you will need to ensure that all the drivers associated with your organisation possess valid driving licenses in accordance with the rules of the United Kingdom.
There is also a rule that allows only those motor related organisations to opt for an insurance policy of this kind for their fleet, only when the organisation has more than three cars. Besides the five main kinds of insurance covers that this form of insurance can be divided into, there are also a few extensions that you could opt for in addition to the regular policy cover. These can include special coverage on windscreen damages as well as financial protection for all the other car parts.
There are also a number of ways in which you can take advantage of special discounts in the premium that you pay for your specified amounts of coverage. These are through the form of special credit points that the insurance company rewards you with in cases where you meet certain pre determined points. The credit points thus awarded are directly proportionate to the amount of discounts that you qualify for. Credit points can be provided in cases where the applicant's cars are equipped with special tools such as vehicle alarms. These tools reduce the chances of damage or loss to the cars and thus decrease the premiums that you pay on the insurance cover.
There are a number of agencies that can provide you with helpful and friendly advice on the kind of insurance that would suit the requirements and specifications of your agency. Besides this, you could also opt for the numerous online resources that look after the different kinds of insurance policies.
There are also a number of Websites that can provide you with online calculators to determine the coverage that you could be eligible for as well as the amount of premiums that you would need to pay to maintain your policy... so that the only thing that you would need to do is to click the mouse right from the comfort of your home!
by: Paul Delaney
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