What is the minimum number of vehicles needed for fleet insurance?

Most insurers define a fleet as two or more vehicles, though some require a minimum of three. The threshold varies between insurers. For very small fleets (two to four vehicles), a mini fleet policy may be more appropriate than a full fleet arrangement. A specialist broker can advise on the most suitable option for your number of vehicles.

Is it cheaper to insure vehicles individually or under a fleet policy?

Fleet insurance is often more cost-effective than insuring each vehicle separately, particularly for larger fleets. However, this is not always the case — the premium will depend on the risk profile of the fleet, the claims history, and the insurer's pricing. A specialist broker can compare fleet and individual policy options to find the most cost-effective arrangement.

What is the difference between a named driver and any driver fleet policy?

A named driver policy covers only the specific drivers listed on the policy. An any driver policy covers any driver who meets the policy's age and licence requirements. Any driver policies offer more flexibility but typically cost more. The most appropriate arrangement will depend on the size of your fleet and the number of drivers.

How does a fleet's claims history affect the premium?

A fleet's claims history is one of the most significant factors in determining the premium. A fleet with a history of frequent or high-value claims will typically pay a higher premium than one with a clean record. Investing in driver training, telematics, and risk management can help to improve your claims record and reduce your premium over time.

Does fleet insurance cover vehicles used for different purposes?

Yes — fleet policies can cover vehicles used for a range of purposes, including business travel, goods carriage, and passenger transport. The policy should accurately describe the use of each vehicle. Some uses — such as hire or reward — may require specific cover or endorsements. A specialist broker can ensure that your fleet policy covers all the uses to which your vehicles are put.

Fleet Insurance Essentials for UK Businesses

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