Fleet Insurance

Fleet Insurance allows you to put a number of cars or vans on one single insurance policy, cutting your costs almost in half. At Call Wiser, we can help you find the best insurance quote for your fleet by comparing prices from a panel of the leading insurers throughout the UK.

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What is Fleet Van Insurance?

If your company owns vans, HGVs, lorries and minibuses, you can make life a lot easier by putting all of your vehicles under one insurance policy. This means you’ll no longer need to worry about having multiple accounts with multiple insurers for each vehicle or remembering different renewal dates.

There are a number of different types of Fleet Van Insurance, and the one that you choose will depend largely on the nature of your business. Commercial Fleet Insurance, for example, is a popular choice for many companies that own vans that are crucial to their daily business such as couriers. On the other hand, Mini Fleet or Small Fleet Insurance will allow you to cover up to 5 cars and vans and can be taken out either under an individual’s name or in the name of a company.

  • The Advantages of Fleet Insurance

    The biggest advantage of van fleet insurance is that you’ll have the ability to place several vans under one policy, meaning that you’ll be paying less to insure each vehicle. Buying your insurance in bulk in this way will allow you to save thousands of pounds each year for your company.

    Another great advantage is that you can insure all drivers of all ages to your vans. For commercial purposes, this means that you can add all of your employees to the policy so that they can use any vehicle at any time. This flexibility can really boost your productivity.

    In addition, fleet van insurance allows you to cover up to 500 vans on the same policy. This seriously reduces the admin that your company is required to deal with, making it easier to add new vans to the policy. You’ll also only need to keep one renewal date in mind rather than trying to find a better deal for hundreds of vehicles. Choose Call Wiser, and we’ll make it our mission to find you a better price after your first year.

  • Reducing the cost of your fleet van insurance

    To reduce the cost of your fleet insurance, it is essential that you increase the safety features on all your vehicles. Ensuring that your vans have alarms and locks in place demonstrates that your vehicle is less likely to be stolen, reducing your need to make a claim. It’s also recommended to keep your vehicles in a garage overnight or when they’re not being used.

    You might also want to limit the number of young drivers on the account. This is because young and experienced drivers are more prone to accidents thus increasing the price of your policy. Also, as a business owner, it might be worth putting your drivers on an additional training course such as the SAFED van driving course as this will lower the overall premium.

    One of the best ways to reduce the cost of your insurance is to use an independent broker like Call Wiser. By working with top insurers in the country and reviewing hundreds of deals and discounts every day, we can get you the best fleet insurance quote for your personal or company’s needs.

What is the cost of Fleet Van Insurance?

The cost of fleet van insurance depends on a number of factors, including:

  • Number of vans

    Understandably, the more vans you’re looking to insure, the more your premium will be. However, it will cost less per van.

  • The age and condition of the vans

    The age and condition of the vehicles will impact how likely they are to breakdown or be involved in an accident. In that case, fairly new vans that are in good condition should receive a good premium.

  • Number of drivers on the policy

    The more drivers you put on the policy, the more it will cost to insure them. How much driving experience each person has and their claims history might also increase the amount you pay.

  • The purpose of the vans

    Insurers will need to assess the risk of claims, and this will largely depend on the nature of your business. For instance, if your fleet of vans delivers to the local neighbourhood they will be less at risk than a fleet of vans that has to drive across the country in different weather and road conditions. If you courier a lot of goods, you might want to think about adding contents insurance whereby you will pay different prices based on how much you transport and what the goods are worth. For more information about this, visit our Goods in Transit Insurance page.

  • The type of cover you need

    Price will also be determined by the amount of cover you wish to put on the policy. Most fleets opt for ‘third party cover’ which is the most basic and offers protection for any damages, legal expenses or medical bills to third-party vehicles, pedestrians and property. However, this means that any damage to your own vehicle will have to be paid for by your own company and instead, you may wish to apply for fully comprehensive cover.

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Don’t forget: You must have insurance at all times on the road. Driving without insurance is illegal and can lead to 6 penalty points and a fine of up to £1,000.

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