Fleet Van Insurance
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Why Compare Cheap Fleet Van Insurance Quotes With SimplyQuote?
If you’re contemplating switching fleet insurance providers, then you definitely need SimplyQuote by your side.
SimplyQuote removes the stress from this time-consuming (and downright annoying) task. The free online comparison tool quickly compares numerous fleet van insurance quotes from multiple insurance providers across the UK with the click of a button.
It’s that simple.
Just fill in the online form with a few basic details, click “compare” and you’re on your way to mega cost savings! Cover all your business vehicles under one policy when you compare motor fleet insurance quotes the easy way, with SimplyQuote!
What Do You Need To Get A Fleet Van Quote?
Getting a fleet insurance policy quote from us is easy, as long as you provide the following details:
- Personal details – name, surname, address
- Business details – registered name, business type (sole trader, limited company, partnership)
- Driver(s) details – name, age, UK driver’s licence
- Vehicle details – make, model, size, registration number(s), how many vehicles, mileage
Note: Most insurance providers require drivers to be at least 25 years old.
Why Do You Need Fleet Van Insurance?
It’s a legal requirement in the UK that all vehicles driving on public roads – domestically or commercially – need motor insurance. And if you have more than one commercial vehicle, fleet insurance is the way to go!
Whether you’re a small hauling company or a large enterprise with over 500 fleet vehicles, your business needs fleet van insurance (FVI).
The law requires at least third-party cover which financially protects you if one of your drivers is in an accident with another vehicle/person while on duty.
How many vehicles can you insure under one policy?
The number of vehicles covered with fleet insurance will depend on the insurer as they might have their own minimum and maximum limits.
Some may cover up to 500 business vehicles on a single policy, whereas others will insure a small fleet of 15 (a.k.a mini fleet insurance). Generally, you can get fleet insurance if you have more than two commercial vehicles.
What Can Fleet Insurance Be Used For?
Fleet insurance can be used for:
Carriage of own goods
FVI is most commonly used by van owners to insure the carriage or transit of their own goods and personal belongings.
For instance, you own a manufacturing company and use vans for your own deliveries.
Haulage and courier
Fleet insurance policies can also be applied as “Haulage and Courier Insurance”. This policy covers an owner for the long-haul transportation of products and goods.
For example, you own a furniture removal company transporting other people’s goods from A to B.
What kind of vehicles can you use?
Fleet insurance covers many vehicles, from standard small, medium and large vans to:
- Pick-up vans
- Tippers
- Box/Luton vans
- Light vans
- Single or double-cab vans
Other commercial vehicles (registered in the business’s name) can also be added to your policy if you let your insurance provider know the details for each vehicle type. This is known as “any vehicle insurance” which includes:
- Motorcycles
- Minibuses
- HGVs
- Tractors
- Forklifts
- Excavators
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What Does Fleet Van Insurance Cover?
Commercial fleet insurance generally includes the basic cover requirements of:
- Public liability insurance – protects you (the business owner), your business and your drivers against third-party claims should a third-party person/property be injured or damaged by one of your vans. While this is not a legal requirement, it’s advised that you include it.
- Employer’s liability insurance – this is compulsory for all UK businesses to have if you employ more than one employee. It protects you and your business against employee claims should they sustain injuries while on duty.
What’s covered?
The great thing about fleet insurance policies is that they offer flexible cover. For instance:
- Add new or temporary drivers and vehicles to your policy as you wish
- You can adjust the number of employees who drive your vehicle(s)
- Opt for the “any driver” option which means any employee can drive your vehicle, hence the name
Note: Usually, fewer drivers result in cheaper premiums.
What’s not covered?
- If you/your drivers drive under the influence of drugs or alcohol
- Deliberate damage (caused by the business owner) such as staging a burglary or theft
- Damages caused by negligence such as leaving the keys in the ignition and having goods stolen
- Electrical or mechanical failure
- General wear and tear such as brake pads and tyres
- Uninsured goods your drivers are carrying
What Levels Of Fleet Van Insurance Can You Get?
TBusiness owners can choose between three different levels of cover for their entire fleet, namely third-party only, third-party fire and theft or a fully comprehensive policy.
Let’s explain each of these in a bit more detail:
Third-party only
TPO cover on a fleet insurance policy means you are protected against third-party claims (i.e. claims made by other people). It covers the cost to repair their vehicles or medical expenses should you injure them while driving.
It won’t, however, cover any costs associated with you/your fleet drivers and you will have to foot the bill for your own vehicle repair costs (or medical expenses).
Third-party, fire and theft (TPFT)
Third-party fire and theft cover is one step above the basic TPO level of cover. It covers third-party claims and will compensate you if your vehicle(s) are stolen or damaged by fire.
Fully comprehensive
Fully comprehensive cover is the “Rolls Royce” level of cover for a fleet policy. It includes a combination of TPO and TPFT as well as covering costs to you/your driver and business vehicles. Some insurance providers may also include:
- Key replacement costs
- Costs for using the wrong fuel
- Windscreen protection
- Medical expense cover
- Personal belongings cover
What Add-Ons Are Available For Fleet Van Insurance In The UK?
Here’s a list of optional extras you can add to your fleet policy:
Breakdown cover
Breakdown cover is an additional van fleet insurance option that will provide cover and assistance should one or more of your vehicles break down.
Courtesy van cover
Interlinked with breakdown cover, courtesy van cover sees insurance providers offer owners a temporary replacement vehicle should theirs be off-road for repairs.
Private use cover
Some employees may use the delivery vans for personal use. If this forms part of your company policy, ensure you add private use cover to your fleet insurance policy.
Personal accident cover
Personal accident cover will provide cover for the potential medical costs or compensation accrued due to personal injury (for your drivers) or involvement in an accident.
No claims protection
No claims protection assures that the price of your insurance won’t be affected upon your renewal date if you have to make claims.
Goods in transit (GIT)
Goods in transit cover is designed to protect your van and the contents that it transports as part of your business. For example, if you employ couriers and delivery drivers, adding GIT to your fleet policy is advisable.
EU Cover
European cover is generally only needed if you frequently transport goods across the UK border.
Trailer cover
If your fleet vehicles tow trailers (or horse boxes) as part of your day-to-day operations, you’ll need to add trailer cover to your fleet policy.
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How Much Does Fleet Insurance Cost?
Fleet van insurance prices vary as many factors are taken into consideration. The number of vehicles in your fleet, driver age and experience and the level of cover you opt for all impact the final price tag.
As an estimate, for a single vehicle, you can expect to pay:
- Comprehensive policy = £652 annually
- TPFT policy = £950 annually
- TPO policy = £1,412 annually
As you can see, TPO is the most expensive option. Your premiums will generally decrease the more vehicles you add to your policy.
What impacts fleet van insurance premiums?
- The size of your fleet (the more vehicles, the higher the premium)
- Vehicle types such as age, condition, emission levels etc
- The level of cover you opt for (TPO, TPFT, comprehensive)
- Fleet drivers – such as driving records, age and experience (more experienced drivers tend to lower your premiums
- Claims history
- Vehicle security when not in use
How To Get Cheaper Fleet Van Insurance
With the above-influencing factors taken into account, it’s possible to lower the cost of fleet insurance for your vans, but what are the most effective options for reducing the cost of insuring multiple vehicles?
- Keep services up to date – to minimise wear and tear
- Avoid vehicle modifications – as this adds to the final price tag
- Install telematics “black box” technology – to monitor how your drivers drive
- Keep mileage low – the more miles, the higher the premium
- Pay premiums annually – to eliminate monthly interest rates
- Hire experienced drivers – over the age of 25
- Provide driving training programs – insurers see these proactive steps to minimise accidents
- Choose cheaper fleet vehicles – less expensive trucks and vans have lower premium rates
- Increase voluntary excess – if you can afford it
- Secure fleet motor vehicles – opt for secure parking, private driveways or garages to minimise the risk of burglary, vandalism or theft
- Only choose the cover you need – you won’t need EU cover if you don’t travel across the border
How To Compare Fleet Van Insurance Quotes With SimplyQuote?
Comparing fleet quotations with SimplyQuote is easy:
- Fill in the short online form: Provide details about yourself, your company vehicles, and where you operate in the UK.
- Select policy extras: Choose which cover add-ons you want to include.
- Compare quotes: Use SimplyQuote’s free comparison tool to compare numerous fleet insurance quotes from top UK insurers.
- Save money: Get the best fleet insurance policy today!
Frequently Asked Questions
Motor fleet insurance is a type of commercial insurance for businesses with two or more vehicles. You can usually insure different drivers and vehicle types within a single policy.
Depending on the nature of your nature, fully comprehensive fleet policies are the best to go for. This ensures all the legal compliance boxes are ticked, providing cover for third parties as well as your drivers and vehicles.
The benefit of a fleet insurance policy is that you can insure multiple drivers and vehicles under one policy (with one renewal date). This beats stressing about different renewal dates for different policies.
Additionally, fleet insurance offers flexibility, whereby you can add new (or temporary) drivers and vehicles to your policy as your business evolves and grows.
Most insurance providers require fleet delivery drivers to be at least 25 years old.
Generally speaking, you can include all your vehicles under one fleet cover policy. However, you’ll need to confirm these details with your chosen insurer, as some have minimum and maximum vehicle limits.