Fleet Insurance

Who needs Motor Fleet Insurance?

If your company relies on having several cars, vans or light goods vehicles on the road than you should be eligible for a cost effective Fleet policy.

It’s essential that you ensure your drivers and your vehicles are fully covered in the event of an accident.

At Plan Insurance Brokers, we know how important your vehicles and your business are to you. Our ethos is to keep our clients businesses motoring. We do that by offering expert advice both whilst arranging your policy and in the event of any claims. Motor Insurance claims can be costly, as well as time consuming will do all we can to remove the pain.

Fleet cover is essential for your business. Let Plan Insurance Brokers find you greater value but arranging quality cover at market leading premiums.

To discuss your insurance requirements further, contact one of our professional advisers now on 0800 542 2742 or request a Call Back.

What does a Fleet policy Cover?

At Plan Insurance Brokers, we take the time to get to know our clients’ businesses and therefore their insurance requirements.

We can tailor a policy to suit your needs so you have the peace of mind that you have the exact cover you require in place. You will also only be paying for cover that you do need.

We can have you covered for just about every eventuality. If you carry goods for customers and they get damaged in an accident, you could be held accountable for their loss of business. We can provide cover for that.

We will insure you’re protected against damages done to your vehicles both in transit and when kept on your premises.

A typical Motor Fleet Policy can include:

• Any driver policies between 18 and 80
• Instalment plan spreading payments over 12 months
• European (Green Card) cover
• Uninsured loss recovery
• New-for-old vehicle replacement for cars under a year old and goods vehicles under six months old
• Goods In Transit Insurance
• £250 medical expenses and £250 personal effects cover
• 24-hour emergency, claims and legal helpline
• 24 hour UK Mainland Roadside Assistance
• Optional European Cover

Other benefits also include only having one renewal date to remember and only one set of policy documents.

Call our team now on 0800 542 2742 for a range of Commercial Fleet quotes and you could be on cover in minutes.

How many vehicles do I have to have to qualify for a Fleet Insurance policy?

If you have 3 or more vehicles then you are eligible for a Motor Fleet Insurance policy. They do not have to be 3 of the same type of vehicle, so even if you have 2 vans and 1 lorry, you will be able to ensure them all under a Commercial Fleet Insurance Policy.

Why compare Motor Fleet cover with Plan Insurance Brokers?

Plan Insurance Brokers has over 25 years experience in the insurance industry with a specialism in Commercial Vehicle Insurance. We are an independent company that is dedicated to finding the right insurance policy that is tailored to our customers needs.

Our highly trained staff are available to talk to online, email and via the phone from our UK offices and will keep you informed every step of the way from taking out your policy, renewing it and even managing your claim should you need to make one.

We aim to understand our customers business as well as we do our own ensuring that you have the right cover for your needs.

Call a member of our team today on 0800 542 2742 or request a Call Back for a range of personalised business Insurance quotes.

Who needs Mini Fleet cover?

If you manage or own between 3 and 12 vehicles, whether cars or light goods vehicles then Small Business Fleet policy can be a cost effective way of insuring all of your vehicles.

Mini Fleet cover can be taken out by a families or businesses, provided that they have a number of vehicles that all need covering.

At Plan Insurance Brokers we understand the importance of your work vehicles and if they are involved in accident or require repairs taking them off the road, then your company could not be performing at full capacity. We also understand that insurance isn’t something that drives profitability in your business.

But having a policy organised through Plan Insurance Brokers means its easy to swap vehicles on and off cover, any driver is included as standard and hired and loaned vehicles can be included on the fleet policy.

In short, we make the administration easy. To find out more, contact one of our commercial vehicle specialists now on 0800 542 2742 or request a Call Back to discuss your Mini Fleet Van Insurance further.

What does a Small Fleet policy cover?

The real benefit of taking out a mini fleet  policy lies in its simplicity to administrate and manage, combined with its flexibility:

• Only One renewal date to remember.
• Only one policy document to keep safe.
• Flexibility allowing any driver access to any vehicle for which they are qualified to drive – meaning that you can handle an unexpected absence from an employee by getting another member of staff to drive instead – without any headaches.
• Suitable for both commercial and family fleets.

A Mini Fleet cover is also flexible in terms of the type of vehicles that you wish to insure:

• Mini Fleet Car Insurance
  You may have a number of sales executives out on the road in saloons and want to ensure they are all adequately covered bearing in mind the significant annual mileage that they are likely to cover on a business basis.
• Mini Fleet Van Insurance
  You could run a small fleet of local, national or even international delivery vans and wagons. If you have a fleet which includes vehicles over 3.5 tons, we can advise you, but you may need a special HGV insurance policy.
• Flexible small fleet
  It could be a combination of a range of vehicle types and drivers. Any combination of Cars, Vans, Lorries, Taxis, Haulage / Goods Vehicle, or Courier vehicles can be included.

What cover should a Mini Fleet policy provide?

A typical Mini Fleet wording will include cover for:

• Any driver policies between 18 and 80
• European (Green Card) cover
• Uninsured loss recovery
• New-for-old vehicle replacement for cars under a year old and goods vehicles under six months old
• 250 medical expenses and £250 personal effects cover
• 24-hour emergency, claims and legal helpline
• 24 hour UK Mainland Roadside Assistance
• Optional European Cover

However at Plan Insurance Brokers, we know that every business is different, and therefore every businesses insurance requirements are different.

We can tailor a cover suit your needs and make sure that you are covered adequately. Call a member of our team now on 0800 542 2742 or request a Call Back.

Why compare Mini Fleet Insurance with Plan Insurance Brokers?

Comparing any type of insurance before buying makes good commercial sense. But when it comes to potentially complex and technical considerations as may be found when buying cover for a small fleet of vehicles , it pays to have a professional insurance broker on your side.

We’ll do the comparisons for you, ensuring a like for like comparison is made and that the levels of cover and endorsements being applied make sense for you.

With over 25 years of Insurance Industry experience, a specialism in Commercial Vehicle Insurance and a strong focus on staff training, Plan Insurance Brokers is the broker to handle your Mini Fleet Vehicle Insurance needs.

Being an Independent Broker allows us to focus on our customers and ensure that we know them and their business as well as they do allowing us to tailor a policy to your specific needs. Not only does this give you the peace of mind that you are covered for every eventuality, but you are not paying for unnecessary cover.

Our highly trained staff are available to talk to online or from our UK based call centre and will keep you involved through every step of your insurance policy with us from taking out the policy to renewing it.

We will even manage you claim should you need to make one.

Call Plan Insurance Brokers today on 0800 542 2742 or request a Call Back to speak to one of our professional and friendly staff and discuss your Mini Fleet quotation requirements.

Who needs Taxi Fleet Cover?

If you own, run or manage a taxi business with two or more cars that are being used to carry paying passengers (even if the vehicles are owned by the drivers) then it could be that you would benefit from a dedicated Taxi Fleet policy.

Any Taxi Fleet Business relies on its vehicles and drivers being on the road, not in the garage. Beyond the cost of being a vehicle down, if you run a taxi fleet business, you have your reputation to consider.

Clients that buy a policy through Plan Insurance Brokers get great value policies, but also the peace of mind that comes from knowing that our main objective, should the worst happen, is to ensure your drivers and passengers are taken care of and your vehicles are back on the road as fast as possible.

There are also administrative advantages:

• A single, flexible policy covering a multitude of vehicles and all your drivers.
  This makes planning your driver and vehicle rotors simple through the week, because every vehicle can be driven by all drivers.
• Only a single insurance document to file, only the one renewal date to remember.
  When you’re busy on the day to day aspects of running your business, it can be tough to keep tabs on the bureaucracy. But it’s vital that you do so. Cutting down on paperwork and filing is always good!

If these features sound appealing and you have more than two vehicles to cover that are used for transporting paying customers, then getting Taxi Fleet quotes from us could be for you!

Contact a member of our specialist team on 0800 542 2743 now or request a Call Back to see how Plan Insurance Brokers can find a solution to your insurance needs.

What will a Taxi Fleet policy cover?

Typical cover included in your  Taxi Fleet Policy should be:

• Plated replacement courtesy vehicles in the event of fault and non fault incidents
• Cover for a fleet of 2 or more vehicles.
• No Claims Bonus starting from 1 year.
• Unlimited Windscreen replacement or repair.
• 24 hour Roadside Assistance in the UK mainland.
• Home Start Cover.
• Optional European Cover.
• Public Liability Cover
  Should a member of the public have an accident in your vehicle or at your work place.
• Employers Liability
  A legal requirement by UK, even if your staff are part time volunteers.
• Up to £50 000 of legal cover.

If you are involved in an accident, then Taxi Fleet cover can be the difference between getting back in your vehicle tomorrow and picking up passengers or being off the road completely.

Motor claims can not only be costly but also take time – could you afford to pay out for legal fees, possibly compensation and other day to day expenses without being able to work?

The likely answer is no, so contact Plan to get a range of Taxi Fleet Quotes. Call us on 0800 542 2743 or request a Call Back.

Why compare Taxi Fleet Quotes with Plan Insurance Brokers?

At Plan Insurance Brokers, we take the time to know customers and their businesses as well as they do. That means that we fully understand what type and level of cover you need and can provide the best policy to suit.

We’ll also work with you through the year, ensuring your policy remains relevant and adequate. Plan can work with you and get a range of insurance quotes for your taxi fleet requirements, as well as helping you to ensure you remain on cover even where circumstances might change:

• You are taking on new drivers or have a flexible workforce through the year.
• Drivers rack up (or lose) points on their licenses.
• Vehicles are modified or replaced.
• You have a range of vehicle types to consider (for example mini buses as well as standard cars).
• You have specialist vehicles within your fleet that present non standard risks (for example, Limousines or Hummers)

This attention to detail, and access to the correct insurance markets means that you are only paying for cover that you need and not paying for cover that you don’t.

With over 25 years of experience and a strong focus on staff training, our team is able to give you the best service and advice.

We keep our customers involved every step of the way from beginning to renewal. We will even manage your claim should you need to make one. We are available to contact both via email and on the phone from our UK offices.

Contact us now on 0800 542 2743 or request a Call Back to get a range of fully comprehensive Taxi Fleet Quotes with Plan Insurance Brokers.

How much does Fleet Insurance cost and how can I lower my premiums?

The cost of  your Business Motor Fleet Insurance is entirely dependent on the type of business you run, how many vehicles you have and driver’s individual driving history. However, there are two main factors that can increase the cost of your policy. These are:

Accident frequency

Whilst some accidents can’t be avoided, there are ways to reduce the risk of them happening.

• Vetting of drivers – It’s important to do a full background check of your drivers as routine before hiring them. You can do this by getting a copy of the driver’s license from the DVLA to ensure that the license produced has not been tampered with and that the information contained on it is up to date and correct. You should also contact the driver’s previous insurer to check their accident history on both a business and private policy.
• Driver training and awareness – It is important to send your drivers on training days regularly so they are aware of the dangers of driving and general safety on the roads.

A cost breakdown of a Car Fleet Insurance Claim

It is important to report any accidents to your insurer as soon as possible, no matter how small or insignificant they seem. The longer the delay, the greater the potential cost . Costs can start mounting from the day of the accident and only by reporting the incident to your insurer immediately can they take control of the claim and potential costs can be avoided.

A typical example would be that one of your drivers hit another vehicle in the rear. They fail to report the accident until they receive a letter holding them responsible. They thought the incident was so small as to not be bothered. The accident is reported to the insurer 30 days after the event, only as a result of the driver receiving a letter from solicitors acting for the other party.

So what impact has this delay had on the cost to your insurer*?

• Thirty day hire charges at £45.00 per day + VAT = £1586.25
• Storage charges at £15.00 per day + VAT = £528.78
• Total £2,115.03

Should the vehicle repair costs of say £1,000, be recovered by solicitors acting for the third party, they will receive an additional 20% on their costs based on the value of the amount recovered. This could be avoided, by payment being made direct to the third party by your insurer, something they can’t do if they are not aware of the accident.

The typical cost for a simple accident as described above would be as follows:

• Vehicle Repair Cost £1,000.00
• Vehicle Hire & Storage as above £2,115.03
• NHS Charges £452.00
• Medical Report £400.00
• General Damages (whiplash injury) £1,500.00
• Solicitors Costs £2,024.52
• Total £7,491.55

Were all matters reported to insurers immediately, the impact on this cost would be as follows:

• Vehicle repair cost £1,000.00
• Paid direct to TP or TP insurer without need for Solicitors.
• Vehicle hire & storage as above £ nil
• Free vehicle provided £452.00
• Medical report £400.00
• General damages (whiplash injury) £1,500.00
• Solicitors costs £1,292.50
• Total £4,644.50

The total achieved by the insurer as a result of being advised of the accident on the day of the loss as opposed to 30 days late is:

• A saving of £2,827.05 or 37%

If this were to happen multiple times a year on our company’s policy, the costs would soon mount up.

Working in partnership with your broker and insurer can make a significant impact on the cost of your Fleet Car Insurance.

For your personalised range of Fleet Insurance quotes, call Plan Insurance Brokers on 0800 542 2742 or click Call Me Now and someone will return your call as soon as possible.

I have 5 vehicles but they are mine not my company’s can I get a Fleet Insurance policy?

Vehicles must be registered in the name of the company or a partner or director of the company. This means that even if the vehicles are in your name but are used for business activities you will be able to insure them all under a Fleet Insurance policy.

If they are for domestic and social use then you will need a different policy. You will also not be able to insure the vehicles belonging to employees under this policy.

Call our team of experts now on 0800 542 2742 to discuss your options further.

What will a Fleet Insurance cover me to use my vehicles for?

Plan Insurance Brokers can arrange cover for a variety of different uses including:

• couriers
• private hire
• haulage
• social domestic and pleasure (only if in addition to a primary business activity)
• and other business transportation.

If you are unsure about what type of activities are covered under a Business Motor Fleet Insurance Policy or would like a range of bespoke quotes for your company, call our team on 0800 542 2742 to discuss your options with our experts.

What vehicles can I get cover for on a Fleet Insurance policy?

With Plan Insurance Brokers you can be covered for a wide range of vehicles such as:

• articulated lorries
• busses
• cars,
• coaches,
• curtain-side vans,
• flatbed trucks,
• tail lift trucks,
• tippers,
• vans,
• agricultural vehicles.

If you can drive it legally on the road then we can insure it . We can insure non road worthy commercial vehicles as well such as fork lifts.

If you have specialist vehicles in need of a policy then don’t hesitate to contact our Commercial Vehicle Insurance Broker specialists to get the right policy for your company.

Will I get a no claims bonus on a Fleet Insurance policy?

No, you will not get a no claims bonus (NCB) however you will receive a confirmed fleet claims experience report. A good fleet claims experience report will guarantee that you get the best policy premiums much like a NCB. Calculating the cost of a fleet insurance policy is more complex as it is dependant on various factors such as the area you’re based in, the type of vehicles you have and how well your policy has performed over a number of years.

What are the consequences if I decide to move away from a Fleet Insurance policy?

Most private car insurers will honour a NCB for 2 to 3 so if you change back from a Fleet Car Insurance policy within that time your NCB will still be valid (as long as you are still claim free).

Can I have a combination of Insurance covers like third party only (TPO) and comprehensive on a Fleet Insurance policy?

Yes. You can specify which vehicles you want to have on different levels of cover as well as who can drive them and for what they are used for.

If you have any more questions about your Fleet Insurance needs then call our team of experts on 0800 542 2742.

With over 25 years of experience arrange Commercial Fleet Insurance, Plan Insurance Brokers are dedicated to finding the right policy for you and can tailor a policy to suit your exact needs. Request a Call Back here and a member of our team will return your call as soon as possible.