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.
We search 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.
* For vehicles on a comprehensive policy
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.
A Comprehensive policy gives you the maximum amount of protection, covering you for:
This type of policy provides mid-level cover such as:
Third party only is the lowest level of cover and only includes cover for:
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.
*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 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.
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.
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.