Motor Fleet Insurance

Fleet Insurance with Prosura

With a greater number of vehicles under your ownership, there’s an increased possibility of one of them being involved in an incident.

Therefore for ultimate peace of mind and minimal disruption to your business, you want to know you have adequate and appropriate fleet insurance in place.

At Prosura, our expert brokers will prepare a fleet insurance quote tailored exactly to the needs of your business. We aim to offer jargon free advice and frictionless access to policies from a range of leading providers.

Whether you need taxi fleet insurance, company car fleet insurance, haulage fleet insurance, or anything in between, we’ll ask the right questions to get you the right cover from a range of top-quality insurers, giving you complete peace of mind.

What is Fleet Insurance?

Fleet insurance is a type of commercial vehicle insurance for businesses that own five or more vehicles for work purposes. Depending on the size and scale of your organisation, we can insure a fleet of vehicles with bespoke cover to suit: mini fleet insurance or large fleet insurance.

Business fleet insurance can cover a range of work vehicles, including motorbikes, cars, trucks and vans, all on the same policy. It’s often more cost effective than a series of single policies, and also means less admin.

It can cover the loss, or damage of your vehicles due to theft, fire, or vandalism; legal fees, personal accidents, and medical expenses in the event of a motoring incident. It provides cover should your business activity cause damage or loss to a third-party. It could also protect any goods or materials you transport, depending on the cover you select.

What level of Fleet Insurance do you need?

Fleet insurance always starts with one core cover: motor insurance. There are three levels of cover to choose from.

  • Third party only (TPO) – This covers any damage you cause to other people and their property. It doesn’t cover repairs to your own vehicles. This is the minimum cover needed (by law).
  • Third party fire and theft (TPFT) – The same as TPO, but with cover for your work vehicles if they’re stolen or damaged by fire.
  • Comprehensive – This includes the cover you’d receive with TPFT, with added protection for your own vehicles if they’re involved in a collision that’s your drivers’ fault.

What different types of Fleet Insurance are available?

When you purchase fleet vehicle insurance, you will need to select the right type of cover for your particular business.

  • Fleet insurance – any driver allows any of your drivers to drive any of your vehicles. Companies with a larger fleet normally choose this type of cover for greater convenience. If one of your drivers is unable to work, another driver can step in and take over, knowing they’re fully insured to do so.
  • Fleet insurance – named driver means that only named drivers can drive assigned vehicles. This is typically cheaper than an ‘any driver’ policy, especially if you have young or convicted drivers in your organisation.

Our experienced and knowledgeable brokers would be delighted to talk you through the options and help you to compare multi car and van insurance quotes to make sure you obtain cover that perfectly suits the needs of your business.

What does Fleet Insurance cover?

Exactly what your commercial motor fleet insurance covers will depend on the level you choose and what optional extras you add. If comprehensive cover is chosen, it’ll usually cover the loss, or damage of your company vehicles due to accident, theft, fire, or vandalism; legal fees, personal accidents, and medical expenses in the event of a motoring incident.

Our friendly team will guide you through the cover included within your commercial fleet insurance quote, giving you complete confidence that your drivers, your vehicles, and your business have the right level of protection.

What else should you consider with Fleet Insurance?

Your fleet commercial insurance can be as bespoke as you need it to be. It’s just one of the many benefits of working with an experienced broker: we source the right cover for your business from the fleet insurance company best suited to your needs.

Fleet breakdown cover is a popular optional extra to make sure your drivers aren’t left stranded and the disruption to your business activity is minimised.

If you’re looking for fleet insurance for a new business, you’d be wise to include courtesy vehicles in your cover, helping to keep your business running in order to maintain the level of service your new customers hope for.

If your business activity involves transporting other peoples’ goods in exchange for payment, you’ll need goods in transit insurance cover. This covers the goods and materials you’re transporting should they be lost, stolen, or damaged while in your company’s possession.

There are a number of different types of cover we can incorporate into your policy, if needed, such as:

  • Cover for personal belongings
  • Accidental misfuelling
  • Lost keys
  • Driving in Europe and the Republic of Ireland
  • Trailer cover
  • Tools cover

Why compare Fleet Insurance Quotes with Prosura?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll exceed your expectations.

Our high-quality motor fleet insurance is built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.

We also give all our Fleet Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

To get your bespoke fleet insurance policy in place, please don’t hesitate to contact the team at Prosura today.

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