Fleet Insurance policies offer a wide range of coverage and ease for businesses to cover all their vehicles. Here at Sagar Insurances we have access to numerous fleet insurance markets including Lloyd’s for those that are involved in specialised activities.
What you need to know:
- Most fleet insurance policies require a minimum of 3 vehicles however some markets will start at 2.
- All the vehicles are covered on 1 policy taking away unnecessary administration when all covered separately.
- Fleet policies tend to be arranged on an Any Driver basis however restrictions may apply on certain vehicles.
- Risk Management features such as Driver Training and Dash Cams help to obtain discounts.
- Fleet policies are underwritten with the use of Claims Experience rather than No Claims Bonus. This is beneficial as the underwriters look at the full picture over a number of years.
- For new fleet risks the wider market will only quote when you have obtained 2 years claims experience so don’t be surprised if your premiums seem a little high at first.
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When you have a claim it is also vital that you have a claims team that responds and investigates the circumstances of a claim. Here at Sagar’s we operate a 24 hour claims line number should you require assistance.
For larger fleets with a mixed claims experience our claims team will also investigate previous claims that seem contentious despite what insurers say. This will help to reduce your premiums if historic claims are retrospectively settled in your favour.
If you would like to find out more about which Motor Fleet policy is right for your business, call now and our specialists will work with you to find the right level of cover. Contact us online or call direct on 01282 858285.