Required Insurance

Many businesses like yours operate with a number of vehicles and benefit from a single motor fleet insurance policy which covers all their vehicles and often offers significant savings over insuring your vehicles separately with different providers.

Motor fleet insurance policies are designed to be flexible and can cater for a wide range of vehicles making managing insurance for all your vehicles a lot simpler.

The legal requirement for vehicle insurance in the UK is third-party minimum however, you will almost certainly need to add extra levels of cover to ensure all your vehicles are protected properly.

Many insurers and underwriters no longer offer just third party insurance instead they have opted to make comprehensive cover their standard level of insurance for all business vehicle fleet policies.

There are also a number of exclusions which you should be made aware of and can vary from one provider to another. Some typical exclusions you may come across are theft by deception, theft of an unattended vehicle, tyre replacement and mechanical breakdown.

Make sure your broker explains any exclusions thoroughly so you know exactly what your fleet will not be covered for.