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When you hear the term Fleet Insurance, you might picture a row of delivery vans or a company with dozens of cars. But if your business only has two vehicles, is Fleet Insurance still an option?
The answer is yes. Some insurers do offer fleet cover for just two business vehicles – although minimum numbers can vary between policies.
However, having two vehicles doesn’t mean you must take out Fleet Insurance. Separate policies may still suit your business. The question is which arrangement provides appropriate cover, good value and manageable administration for your particular circumstances. And how do you know which route is best…?
Well, this is where talking to a friendly insurance broker, like the team at Prizm Solutions can be very beneficial. One of the team will chat with you to find out exactly how your company vehicles are used,- as visiting clients, carrying tools and making deliveries can all involve different insurance requirements.
As your broker, we can review your vehicles and drivers, compare suitable options and explain the differences. If you’re planning to add another vehicle to the business at some stage too, we can also consider how your cover could accommodate that growth.
If a Fleet Insurance policy seems a good way to go for your personal business circumstances, you can benefit from convenience and reduced administrative effort. Bringing your vehicles together under one policy can mean a single renewal date and fewer separate documents to keep track of. Depending on the insurer, you may also be able to include different vehicle types, such as a company car and a van.
Driver arrangements matter too. If employees regularly swap vehicles, we can discuss whether cover for multiple authorised drivers would help. But remember, please don’t assume ‘any driver’ means everyone can drive, as age restrictions and other conditions may apply.
Although Fleet Insurance can be simpler on paper, it may not automatically be cheaper. Your vehicles, their use, the drivers and your claims history all affect the options available. It’s always important not to buy insurance on price though. Always check premiums alongside excesses, restrictions and benefits, so you get the full picture.
As well as Fleet Insurance, Prizm Solutions can also help with many other business and personal insurances, such as Gap Insurance, Office Contents Insurance, Professional Indemnity Insurance and Personal Accident Insurance.
Whatever your insurance query, we’re always happy to help. Just get in touch, or, if you’re local to Tamworth, pop into the office – just check our opening hours on Google.
