What is it about insurance that makes people want to buy it cheap? It doesn’t matter how much we pay for our cars we always want to buy the cheapest possible insurance for them. The latest wheeze to make our insurance premiums cheaper is to group a few together for people that live under the same roof and call it a family fleet insurance.
The concept of fleet insurance is all very well for people who have families of careful drivers (yeah, right) but what about those who live with a boy racer? It sounds like some family members could end up paying more for a combined fleet insurance policy.
The traditional look of a fleet for insurance purpose is about 100 Vauxhall Cavaliers insured by a firm for their sales reps. This isn’t actually how most fleets are made up. Many vehicle fleets are made of mixed vehicles. Tractors, Cars, HGVs, Minibuses, Lorries and even Motorbikes can end up insured under a fleet insurance policy.
If you’re really, really bored on a long journey a cheap (very cheap!) way of amusing yourself is to look at each vehicle that you pass (or passes you) and trying to work out whether they are insured under a fleet insurance policy or not. The good news is that this is a game you can’t lose (unless you’re planning to stop each of them and actually ask whether they are insured with a cheap fleet insurance) but to help make sure you win you might like to consider these tips;
Vehicles that are clearly owned by a company i.e. those that display a logo will probably be covered under fleet insurance, cheaper vehicles are probably not (if indeed they’re covered at all!) cars driven by racers who speed around roads are almost certainly not, police cars almost certainly are, and what about other kinds of businesses? Butchers, bakers, candlestick makers taking out fleet insurance? Maybe!
How would you decide whether to insure your vehicle on a fleet or not? Easy really – find out if it’s cheaper to insure your car that way before you start! It’s best not to ask a meerkat or an obese opera singer. Chances are they won’t be able to help you at all let alone compare you. Best to ask a real live walking talking insurance broker. If you want to find cheap fleet insurance it pays to discuss your insurance requirements with real live people! Enjoy the game!
If you think that you could benefit from fleet insurance then you should give Coversure a call. They are specialist insurance brokers with long-standing relationships with some of the country’s leading insurance providers so they can secure you great deals on anything from fleet insurance to motorhome insurance.
Tags: advice, auto insurance, autos, cars, fleet, insurance, misc, Vehicles