Business Fleet Insurance
Keeping Your Business Running
What does Business Fleet Insurance cover?
We know how important your business fleet is to the running of your business, which is why it is so important to have the right level of cover for your fleet insurance to protect those vehicles and your business.
Whether you own a company, partnership or practice, you will need some level of business car and van insurance which extends beyond the standard policy cover for social, domestic and pleasure and commuting use. Examples might include travelling between different work locations, visiting customers, or using your vehicle to give lifts to other employees.
A typical fleet insurance policy can include:
- Loss of/damage to vehicles
- Breakdown cover & vehicle recovers
- Legal protection
- Damage to windscreen & windows
- Replacement of locks when broken into or keys are stolen
- Protection to vehicle contents, including personal belongings
- Protection to trailers attached to insured vehicle
Frequently asked questions
How many vehicles are considered a ‘fleet’?
Three or more vehicles would be considered a commercial fleet.
What type of vehicles can fleet insurance cover?
You can cover cars, vans, HGVs, trailers, bikes, motorcycles, and more. If not listed, please call us on 01970 636925 to discuss your specific requirements with a specialist adviser.
Is fleet insurance cheaper for businesses?
Fleet insurance can often be more cost-effective than insuring vehicles individually, particularly for businesses that operate multiple vehicles. By bundling vehicles under one policy, administrative costs are reduced, and premiums can be more manageable compared to individual policies. However, the actual savings can vary depending on factors like the types of vehicles, their usage, and the risk profile of the drivers. To determine if fleet insurance is the most economical option for your business and to discuss potential savings, please call us on 01970 636925.
What affects the cost of fleet insurance?
The cost of fleet insurance depends on several factors, including the number of vehicles, the value of those vehicles, named drivers, their commercial use, and cover required. Call us on 01970 636925 to learn more and get a quote.
Who can drive on a fleet policy?
Under a fleet insurance policy, typically employees of the business who are over the age of 25 can drive the vehicles. However, this can vary depending on the policy’s terms and conditions. Some policies might allow drivers under 25 or include specific provisions for certain employee roles. In some cases, permission from the company’s directors might be required. It’s important to note that the driving history and qualifications of employees can impact the policy terms and premiums. For specific details about driver eligibility under your fleet policy, we encourage you to speak to one of our specialist advisers at 01970 636925.
Does fleet insurance cover personal use?
Personal or private use can be included on your fleet insurance, but typically excluded as standard.
Why Greenlands?
Trusted by you since 1998
Customer focused, always
Tailored cover, competitive premiums
Proactive claims service
Covering Wales, England & Scotland
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