Motor Fleet insurance is designed for those who run a business and own at least 2 vehicles to obtain insurance allowing them to use the vehicles for their stated occupation.
A business of any size may consider a fleet policy, you might have 2 vehicles or you might have 200. At Lifestyle we deal with a broad range of insurance companies including some of the biggest names in the UK, this means we can provide a policy for your specific needs.
Call our dedicated fleet team for a competitive quotation today!
Motor fleet insurance is typically provided on an a ‘any driver’ basis and you would normally specify the minimum age of your drivers such as ‘any driver over the age of 30’. Usually, the higher the age limit the lower the premium. Some insurers will let you specify 1 or 2 named drivers that fall outside the normal policy limits, this can help keep your premiums as low as possible.
One of the main advantages of Fleet insurance is the ability to add and remove vehicles with ease. The policies are vehicle rated – this means each addition or deletion will generate an additional premium or refund of premium. Most fleet policies are administered on an ‘as and when’ adjustment basis however large fleets are often on a declaration basis (this means your adjustments are made instantly however you are only invoiced for the sum of the changes once every quarter or half year). At Lifestyle we have a dedicated Motor Fleet team to assist with any changes you may require during the term of your policy.
You may have heard of Mini Fleet Insurance, this is simply just a term sometimes used to refer to Motor Fleet policies of 1-12 vehicles. Rest assured our advisors will always find the most suitable product for your needs.
If you are applying for your first Motor Fleet insurance policy, we are able to use your individual No Claims Discounts previously earned on your private or commercial vehicles to obtain lower quotations.