Commercial Motor

There were 25,000 serious motoring injuries last year and a motor vehicle related insurance claim every 8 seconds of every working day

Not all company vehicles can fit into a motor fleet arrangement. You can insure your commercial vehicles and company motor cars on individual policies. Some insurers also offer arrangements for less than 6 vehicles, where both vans and cars can be arranged on to one policy.

The principles of individual insurance policies remain similar to a fleet insurance. Better control of the risks attaching to motor vehicles will result in less vehicle downtime and long term reduced insurance costs for the business.

Key considerations

  • Vehicle suitability
  • Driving authorisation
  • Licence checks
  • Driver health and safety
  • Driver training
  • Vehicle journey patterns
  • Vehicle maintenance

Motor Fleet

It is estimated that the hidden financial costs of a motor accident to business are between 4 and 32 times the cost of the actual accident

Motor Fleet insurance can be the most cost effective and flexible method of insuring your company vehicles. It can provide wide driving cover for both business and personal use. Additionally, very low premiums are achievable for very well-managed motor fleets.

The key to maximising the benefits from your fleet insurance is to ensure that you receive fleet management and claims advice. This will help you to reduce claim frequency and the major unseen costs of vehicle downtime which can vary from 4 to 32 times the cost of the actual vehicle claim.

This will help you to achieve your fleet objective of fewer claims, reduced costs and increased profitability for your business.

Key considerations

  • Vehicle suitability
  • Communication systems
  • Licence checks
  • Driver health and safety
  • Driver training
  • Vehicle journey patterns
  • Driver Incentive schemes
  • Vehicle maintenance and repair