Business Icon Hero Yellow

Fleet Insurance

Flexible fleet insurance, built around you

Fleet Insurance is the perfect answer if your business relies on multiple vehicles. Fleet Insurance allows one policy to cover numerous cars, vans or trucks with one renewal date. 

Wsearch our extensive panel of fleet insurers to source you the most competitively priced policy options. As a customer, you will receive a dedicated Account Manager to support you in Risk Management, guide you through the Claims process and provide bespoke cover planning. 

Key Features:

  • One insurance policy, one renewal date
  • Cover for private cars, commercial vehicles, plant and machinery
  • Option to choose from Comprehensive, Third Party (Fire Theft) and Third Party Only
  • Any Driver options
  • Minimum of two vehicles
  • Windscreen cover*
  • Trailer Cover available
  • Discounts for effective risk management procedures

* For vehicles on a comprehensive policy

Get in touch

Types of cover

The most important thing to consider when looking at a Fleet policy is to choose what level of cover you need. Like car insurance, there are the three basic levels of fleet insurance.

Comprehensive

Comprehensive

A Comprehensive policy gives you the maximum amount of protection, covering you for: 

  • Liability for injury to others
  • Damage to third party property and vehicles
  • Fire damage and theft to your vehicles and a third party’s
  • Medical expenses for anyone involved in an accident involving your vehicles.
Third Party Fire And Theft

Third Party (Fire & Theft)

This type of policy provides mid-level cover such as:

  • Liability for injury to others (including passengers)
  • Damage to third party property or Fire damage to your vehicles
  • Theft of your vehicles
  • Damage to your vehicles caused during theft
Third Party Only

Third Party Only

Third party only is the lowest level of cover and only includes cover for:

  • Liability for injury to others (including passengers)
  • Damage to third party property

Boost your cover

Excess Insurance

Learn more

GAP Insurance

Learn more

Tools Insurance

Learn more

Goods in Transit

Learn more

Excess Insurance

A Motor Excess Insurance policy can run alongside your standard Fleet Insurance policy to protect your current cashflow. An excess is a great way of reducing the cost of your insurance premium, however, claims often happen at the most inappropriate times when we don’t always have the funds readily available to cover the excess. 

An Excess Insurance policy will reimburse the excess you may have paid provided the claim is more than the total policy excess at the time of the incident and is reported within a 31-day period to the insurer. This is a clever addition to your insurance and we’re one of the few brokers who offer it in Northern Ireland.  

What’s included*?

  • Only one claim can be made per policy, another policy can be purchased at any time.
  • Amount of claims under the Excess Insurance policy must not exceed the value of the total excess of the main policy.   
  • Claims must be reported within 14 days of the settlement of the claim to which the policy relates
  • Windscreen excesses are excluded for all motor policies.

*Exclusions and Terms and Conditions apply. It’s important to note that if the claim is your fault, you cannot reclaim your excess. 

GAP Insurance

GAP insurance might be worth buying when you are taking out a Fleet Insurance policy for your business.

In the event of a write off following an accident, fire or theft claim it can clear outstanding finance on a vehicle when the motor insurers total loss settlement hasn’t.

GAP insurance is designed to work alongside your Fleet policy to protect you and/or your business from an expected shortfall.  

We can cover a combination of vehicles from commercial cars to HGVs.

Tools Insurance

Boosting your policy to include tool cover* will enable you to replace your tools and equipment if they are lost or stolen, helping you get back to work as fast as possible.

 

*Terms and Conditions apply.

Goods in Transit

While Fleet Insurance covers the vehicles themselves, Goods In transit will cover the contents inside from theft, loss or damage whilst they are being transported. This policy is not required by law however certain businesses would be wise to have it such as businesses that deliver purchased goods or distribution companies.

Different policies offer different levels of cover, so it is important to tell us about the type and frequency of the load being carried, and to be realistic about its value.

Need to speak with us? 08000 66 55 44