One of our team will talk to you about your current circumstances in order to advise the best way forward. If you’d prefer to visit us at our offices in Tamworth, feel free to pop in! Just check our office hours on Google to make sure we’re open.
At Prizm Solutions we only deal with vehicle fleets that are owned by businesses, not by an individual home-owner.
If you hear the term ‘Claims Experience’ it’s referring to an A4 spreadsheet issued by your insurers showing your average number of vehicles, number of claims, cost and type of claims over the past 3 to 5 years.
Without your claims experience, it will be virtually impossible to get another insurer to provide a new quote. Your claims experience is issued by your current insurer about a month before renewal date.
In most cases, taking out a motor fleet policy will reduce the cost of a business’s motor insurance. The exception might be if the company only has a micro-fleet (less than 5 vehicles), in which case insuring the vehicles separately may still work out cheaper. However, there are likely to be increased handing and administration costs by dealing with separate insurance policies for each vehicle, as well as more chance of confusion around who is eligible to drive and when all the policies are due for renewal.
Some of the insurers that we deal with at Prizm Solutions, such as Flock & Zego require all vehicles to be tracked as a condition of the policy. This reduces the premium because the insurance company can see in real time where and how the vehicles are being driven and the mileage details. Other insurers will reduce your premium if your business has a good Claims Experience.
Fleet insurance policies are usually set up to cover ‘Any Driver’ although in many cases age restrictions will apply. For example, a policy might say ‘Any Driver over 25 years’.
Any claim under a fleet policy will still need to be notified to your own personal insurance policy. Whether this then affects your own policy will depends purely on the individual insurer concerned.
Should you need to make a claim on your motor insurance, just contact your insurance company or insurance broker immediately. If you’re insured with Prizm Solutions, just pick up the phone to us and we’ll help you get sorted.
As a motor fleet insurance broker, we’re always reviewing insurance company suppliers. At present we primarily use Aviva, AXA, Direct Commercial, NIG, RSA, Lloyds Underwriters, Zurich, MS Amlin, QBE, Allianz, KGM, Covea, Victor, Flock, Zego, Equity RedStar.
If you need to make a claim on your insurance, you need to call your insurance broker or insurance company straight away.
If you have a policy with Prizm Solutions, then you simply call us.
As your broker, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.
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