If your business relies on multiple vehicles, whether it’s two or two hundred, fleet insurance could save you time, money and hassle. A fleet policy allows you to cover a mixture of vehicles, cars, vans, trucks and more, all under one convenient policy, with a single renewal date to simplify your admin.
Fleet insurance allows you to insure multiple vehicles (a minimum of 2) under one policy, rather than juggling numerous separate insurance documents. This can include:
We work with businesses of all sizes, helping to build policies that reflect your fleet’s makeup and your day-to-day operations.
A fleet insurance can also cover a variety of uses, such as business use, carriage of own goods, private hire, haulage, courier and other transportation purposes, and you may also be able to cover a mixture of vehicles under an ‘any vehicle’ policy.
Your fleet insurance policy can be tailored to suit your needs and may include:
Fleet breakdown, motor legal, and hauliers’ liability cover can also be added, offering greater protection across your business.
In the event of a non-fault incident, this provides cover for uninsured loss recovery (e.g., loss of earnings, policy excess, vehicle hire), personal Injury claims for both drivers and passengers, legal protection for your own defence against motoring prosecutions & contractual disputes relating to the sale or purchase of a motor vehicle.
Provides cover for vehicle breakdown, nationwide recovery and homestart including misfuelling cover and lost damaged keys for for Cars & Vans up to 3.5t and HGV’s up to 44t including.
If a vehicle is ‘written off’, Motor insurance only covers to its value at the point it is declared a total loss. This can be substantially less than outstanding finance commitments and the price you paid for your vehicle. GAP Insurance can cover outstanding finance payments and the value of the vehicle when you bought it. Cover can be provided for single vehicles and fleets (including trucks).
Provides cover for Cover for damage -in the event that tools are damaged whilst being loaded onto, housed upon or unloaded from the vehicle, cover for theft -you may be covered in the event of your tools being stolen, even when your vehicle is unattended and overnight.
Provides for the loss and damage to goods in the care, custody and control of the haulier in accordance with standard trading conditions or under International Conventions such as CMR (Convention on the Contract for the International Carriage of Goods by Road) and also under Common Law.
At The Yorkshire Broker we understand that cost is important to your business, but it is crucial to ensure that you are properly protected in line with the risks your business faces. With that in mind, we will take the time to understand the specific needs of your business and recommend the amount of cover that is best suited to you.
Fleet insurance costs are influenced by the age and driving history of your team. Drivers aged 25 and over with no claims or convictions tend to attract lower pre-miums. You can still hire younger drivers, but limiting their use of certain vehicles may help reduce costs.
Offering driver training schemes, such as defensive driving or eco-driving, can help reduce the risk of accidents and claims. Some insurers may even offer dis-counts for businesses who provide ongoing driver training as part of their safety strategy.
A well-maintained fleet is a safer fleet. Regularly servicing your vehicles and checking key areas like tyres, brakes, lights, and oil levels will reduce the risk of breakdowns and potentially lower your insurance risk profile.
By asking drivers to cover part of the insurance excess in the event of a claim, you may encourage them to drive more cautiously. This can lead to fewer claims and lower premiums over time.
Storing vehicles in a locked compound, garage, or monitored car park can re-duce the risk of theft or vandalism. Installing alarms, immobilisers, or CCTV adds another layer of protection—and could help you save on insurance costs.
Black box devices and dashboard cameras help insurers assess driving behav-iour and accident liability. Demonstrating safe driving habits across your fleet can result in reduced premiums and protect your business in the event of a claim.
GPS tracking not only helps monitor usage and mileage but can also aid in vehi-cle recovery if stolen. Many fleet insurers offer lower rates for businesses using tracking technology.
At The Yorkshire Broker, we understand every fleet is unique. We’ll take the time to understand your needs and source the right cover from leading UK insurers.
Call us today on 01924 929070 to get your quote.
Speak to a member of our dedicated team
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