There is no single vehicle count that makes fleet insurance right for every business. The decision depends on insurer criteria, vehicle mix, drivers, administration and claims.
Administration is fragmented
Separate policies create different dates, excesses and change processes. A fleet arrangement can centralise additions, deletions and claims.
Vehicles are central to trade
Review hire vehicles, downtime, towing, accessories and repair arrangements, not only physical damage.
The mix is changing
Utilities, trucks, trailers and plant need different treatment. Identify fit-outs, refrigeration and specialist bodies.
Claims need attention
Analyse incident type, driver and location to target training, cameras, telematics or parking controls.
Prepare
- Vehicle schedule and values
- Driver and licence process
- Use, radius and garaging
- Detailed claims history
This information is general and does not take into account your objectives, financial situation or needs. Policy wording and individual circumstances determine cover. Seek advice before acting.