Fleet Insurance for Tradespeople: The Complete UK Guide Key Takeaways →Fleet insurance for tradespeople is available from 2 vehicles. Savings versus separate van policies are modest at 2 vans but become significant from 3 upward, typically 15–30% per van. →Every...
Is Fleet Insurance Cheaper Than Separate Policies? UK Business Guide Key Takeaways → Fleet policies typically cost 15–40% less per vehicle than equivalent separate policies once you reach three or more vehicles. → Insurers pool risk across the whole fleet rather than...
Fleet Insurance for Construction Companies: The Complete UK Guide Key Takeaways → Construction fleet insurance must be rated for carriage of own goods; standard fleet policies for cars or vans are not the same product. → Third Party Working Risk is excluded from all...
Named Driver vs Any Driver Fleet Insurance: Full Comparison Guide Key Takeaways → Named driver policies cover only listed individuals and are typically 10–25% cheaper than any driver equivalents for fleets with stable, low-turnover workforces. → Any driver policies...
What Documents Do You Need to Get Fleet Insurance? Most fleet insurance enquiries stall not because the risk is unacceptable, but because the submission is incomplete. An underwriter receiving a vague email with a rough vehicle count and a name is not in a position to...
Courier and delivery fleets are priced differently to standard commercial fleets because the risk profile is different, high mileage, tight schedules, frequent stops, reverse manoeuvres, loading bays, and drivers rotating across vehicles. If the policy is set up on...
HGV Fleet Insurance: Operator Licences, Tachographs and Cover Explained Running a fleet of heavy goods vehicles is one of the most heavily regulated activities in UK road transport. Before a single lorry turns a wheel commercially, you need the right operator licence,...
Vans are the backbone of the UK's working economy. There are around 4.5 million light commercial vehicles registered in Great Britain, and the majority are owned by businesses that run more than one. If your operation has two or more vans on the road, insuring them...
Around 940,000 company cars are currently in operation on UK roads, making car fleets the most common type of commercial fleet by volume. Yet fleet car insurance remains poorly understood by many of the businesses that buy it, particularly the critical distinctions...
How to switch fleet insurance: the complete UK guide Most UK fleet operators accept their renewal quote without question, paying 10, 20, or 30 percent more than the previous year because switching feels complicated and risky. It is not. Switching fleet insurance is a...
Mini fleet insurance for small businesses: the complete UK guide Running two, three, or four vehicles as a small business means you are already operating a fleet, even if you have never thought of it that way. The moment you have more than one vehicle being driven by...
A surprising number of UK fleet operators still track vehicle compliance on spreadsheets, chase walkaround checks by phone, and store driver licence records in a shared folder. For a fleet of two or three vehicles this is manageable, if uncomfortable. For a fleet of...
Electric vehicle fleet insurance is not simply standard fleet cover with a different vehicle type declared. EVs bring a distinct set of risks, components, and operational considerations that standard fleet policies were not designed around, and the gap between a...
Starting a new business means dozens of decisions that need to be right first time. Fleet insurance is one of them. The moment you put two or more vehicles on the road for business purposes, whether you've been trading for a week or a year, those vehicles need to be...
Grey fleet is one of the most misunderstood areas of business insurance in the UK — and one of the most expensive to get wrong. If your employees use their own vehicles to carry out work for your business, even occasionally, you have a grey fleet. And with that comes...
If you're self-employed and run two or more vehicles for work, there's a very common misconception holding you back: the idea that fleet insurance is only for limited companies or large businesses. It isn't. Sole traders qualify for fleet cover, and in many cases,...
Let's get the frustrating bit out of the way first. There is no standard price for fleet insurance. Insurers don't publish rate cards, and any website giving you a definitive figure without knowing your vehicles, drivers, and claims history is guessing. What we can do...
âš¡ Quick Answer: What Is Mixed Fleet Insurance? Mixed fleet insurance covers multiple vehicle types - cars, vans, HGVs, and EVs - under a single UK policy. It simplifies administration, reduces costs, and provides unified risk management for businesses operating...
Step-by-Step Guide: Process, Timelines & Best Practices A complete UK guide for fleet managers, transport supervisors, and business owners Introduction Managing a fleet means dealing with risk every single day - collisions, theft, windscreen damage, third-party...
Benefits, Controls & Insurance Impact - The Complete UK Guide A practical, expert-led guide for fleet managers, business owners, and insurance brokers Introduction Fleet fuel cards have become a core tool for UK businesses running multiple vehicles. Whether you...
Fleet telematics has evolved from being a luxury reserved for large logistics companies to becoming one of the most influential tools shaping how UK insurers price fleet risk. A decade ago, you'd struggle to find a broker who even mentioned telematics. Today, it's...
Fleet insurance claims have a profound and lasting impact on your premiums, operational efficiency, and how insurers evaluate your business at renewal. A single poorly managed claim can influence pricing for the next 3-5 years, whilst repeated issues such as late...
Fleet insurance represents one of the most significant ongoing operating costs for UK businesses running multiple vehicles, particularly where fleets operate in urban areas, accumulate high annual mileage, or rely on flexible any-driver arrangements. Insurance...
Fleet insurance allows UK businesses to insure multiple vehicles under a single policy. Instead of juggling separate policies, renewal dates, and different insurers, a fleet policy consolidates everything under one contract, with one premium and one consistent set of...
Fleet management is the process of overseeing, controlling, and continuously improving how business vehicles are used across your organisation. In the UK, fleet management applies to any business operating two or more vehicles, whether that's cars, vans, HGVs, or a...
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