Motor Fleet

If you have more than one vehicle to insure a Motor Fleet policy may be a good solution for you and your business.

Individual motor policies (car, van & motorcycles) are mostly arranged using IT systems with the best rates offered for named and approved drivers only – often the policyholder and their partner which usually offer the most competitive rates.

However for businesses you often need more than one person to drive. Flexibility is the main benefit of a Motor Fleet policy – we can arrange policies with permitted drivers as ‘Any Licenced Driver’, however, discounts are available if an age restriction can be imposed such as ‘Over 21s, 25s, 28s or even over 30’s’.

The premiums for Individual motor policies take into account the No Claims Discount earned for each individual vehicle. Once you have reached the maximum the premiums are usually low but one small claim can easily see you ‘drop down the ladder’ often causing a significant premium increase. Motor Fleets are different – they have an overall Fleet Discount which takes into account the past yearly experience and performance – looking at the frequency and cost of claims. The better performing your fleet the lower your future premiums are!

To qualify for a Motor Fleet most insurers generally require 5 vehicles or more but we have facilities with Insurers who will accept 2 vehicles.